Covers your property against loss or damage by: 

• Fire.
• Lightning.
• limited explosion.

Basic Cover

This policy covers loss or damage to your property due to

• Fire
• Lightning
• Explosion caused by gas used for domestic purposes

Extended Coverage

For an additional premium, coverage may be extended to these risks

• Aircraft damage, Impact damage, Earthquake and volcanic eruption
• Storm and tempest, Flood, Explosion, Bursting or overflowing of pipes
• Subsidence and landslip
• Bush/Lalang fire, Spontaneous Combustion, Sprinkler leakage
• Riot, strike and malicious damage
• Damage by falling trees or branches and other objects

Your premium may vary, depending on

• Cover selected
• Coverage amount
• Our underwriting requirements

The calculator is a guide only to assist you in determining the estimated sums to be insured for residential properties, simple shop house and shop office and is not a substitute for professional advice to be obtained.

Before using the calculator, kindly note the following: 

1. if any renovations have been made to your property, you are advised to indicate the amount (cost of renovation) in the box provided in the BCC.
2. if your property has unique or special design features and/or have extensive renovations and/or have complex structures affixed, you are advised to obtain professional advice for a more accurate assessment of your property.

To access to the BCC, kindly click on the following selection:
http://www.piam.org.my/consumer/industry/building-cost-calculator-bcc/

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.