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.  

• 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

Your premium may vary, depending on 

• The cover selected
• The coverage amount
• Our underwriting requirements

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: 

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

✖︎ 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.