Houseowners/ Householders

Product information

Houseowners/Householders Disclosure Sheet (English)

Houseowners/Householders Disclosure Sheet (BM)

The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM (visit www.pidm.gov.my).

Why
Houseowners/
Householders

Benefits at a glance.

Comprehensive protection.

Loss or damage to your home and its contents due to toby fire, lightning, or explosion caused by the gas used for domestic purposes.
Compensation for fatal injury caused occurring through visible violence caused by thieves, or by fire.
Extended coverage to metal smokestacks, awnings, blinds, etc., against hurricanes, cyclones, typhoons, or windstorms.

Key Coverage

Here is an overview of your coverage

Standard Cover

This policy covers

Loss or damage to your building or contents due to
- fire
- lightning
- explosion caused by gas used for domestic purposes

Loss or damage to your building or contents by
- aircraft, road vehicles or animals
- bursting or overflowing of water tanks or pipes
- theft by forcible and violent entry
- windstorm, earthquake and flood

Loss of rent

Liability to third parties for accidents in your house

Property temporarily removed within Malaysia

Damage to mirrors

Compensation for fatal injury occurring by visible violence caused by thieves or by fire

Servants’ property

Extension of Cover

For an additional premium, you may extend coverage to these following risks
- subsidence, landslip
- riot, strike and malicious damage
- bush/lalang fire, damage by falling trees or branches and objects

Extended coverage to metal smoke stacks, awnings, blinds, etc. against
- hurricane,
- cyclone,
- typhoon, or
- windstorm

Alterations, repairs and additions

Extended theft cover

Increased limit of liability to third parties for accidents in your house

How much
is my premium?

Your premium may vary, depending on

The cover selected
The coverage amount
Our underwriting requirements

Building Cost
Calculator (BCC)

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

Before using the calculator, kindly note: 

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.
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 the BCC: http://www.piam.org.my/consumer/industry/building-cost-calculator-bcc/

More product
information

Houseowners/Householders Fact Sheet (English)

PDF, 393.27 KB

Houseowners/Householders Fact Sheet (BM) (PDF, 0.4 MB)

PDF, 138.04 KB

Houseowners/Householders Proposal Form (PDF, 0.3 MB)

PDF, 219.70 KB

What we
don’t cover

✖︎ War, civil war and any act of terrorism

✖︎ Radioactive and nuclear energy risks

✖︎ Date recognition

✖︎ Property damage to data or software

✖︎ The ‘Liability to the Public’ section does not cover any asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos.

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

Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 30 June 2012.

Note: You must ensure that your property is insured at the appropriate amount. It is important that you read and understand the Terms, Conditions and Exclusions of the policy, and at all times, feel free to contact us for more information.