Yes, the Householders Policy covers losses to Platinum, Gold and Silver Articles, Jewellery and Furs but limited to one-third of the Total Sum Insured on Contents. However, any item in this category exceeding 5% of the Total Sum Insured on Contents must be specifically declared to the insurers.

For example, a Householders policy with Total Sum Insured of RM20,000 can claim up to RM6,667 for jewellery and if any single item is valued at more than RM1,000 (being 5% of RM20,000) then the jewellery concerned must be lodged separately to the insurers beforehand, when insurance was first arranged. Failure to do so would result in your insurer only reimbursing you not more than RM1,000 per piece of jewellery at the time of loss.