Home Care

Cover your home, contents, personal effects and family liability all under a single policy which allows you to choose the type of coverage according to your actual requirements.


Mandatory Covers (Please select Section 1 and / or Section 2)

Optional Covers (Please select Section 3 and / or Section 4)

Section  Covers / Benefits  Sum Insured / 
Limit of Liability
Premium Rate

Houseowner Insurance

a) Building including permanent fixtures and fittings but excluding land (occupied solely for residential purpose only)

Full value to be declared by Insured 

Landed property -0.106%

 Flats & Apartments - 0.109%

b) Rent Up to 10% of building insured Included
c) Owner's Liability RM50,000 


(Subject to minimum premium : RM60)


Home Contents All Risks Insurance

 a) Loss or damage to household contents caused by fire & selected perils, theft, armed robbery and accidental damage not specifically excluded.


Full value to be declared by Insured 



Additional benefits for Section 2    
a) Loss or damage to contents during temporary removal                  up to 15% of total sum insured  included
b) Breakage to Mirrors  up to RM500   included
c) Compensation for Death up to RM10,000  included
d) Servant's Property up to RM500  included
e) Loss of money due to theft at home up to RM1,000  included
f) Cost of repairing / replacing locks and key due to break-in up to RM500  included
g) Cost of replacing Title Deeds and Legal Documents up to RM1,000  included
h) Loss or damage to water filter up to RM1,000  included
i) Loss of money caused by snatched theft up to RM1,000  included

j) Cost of replacing food spoilt in refrigerator due to change in temperature

Deductible : RM200 each and every loss

up to RM500  included

(Subject to minimum premium : RM75)


Worldwide Personal All Risks Insurance
Personal Effects e.g. watches,  
cameras, laptops, mobile phones etc. 

Deductible : RM100 each and every loss 

up to RM3,000 per item 1.50% (subject to minimum
premium : RM75)
 4 Worldwide Family Liability Insurance
Legal Liability against accidental bodily injury to third party and accidental damage to third party property.
RM300,000  RM25

Note: Premium Rate stated above is excluding the GST rate of 0%.