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.


This policy is designed to provide you with peace of mind especially when you are away from home.



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 exclusive of 6% GST.



Frequently Asked Questions

Does the above premium apply to all types of houses?

The above premium is only applicable if your house is constructed of brick/concrete walls, reinforced concrete floor and roofed with tiles/concrete/asbestos and is solely used for private residential purpose.

For other types of building construction, please refer to your agent or our Customer Service Centre at 03-21172118.

What are the standard perils insured by Houseowner Insurance?

The standard perils insured are fire, lightning, explosion aircraft or impact damage, bursting of pipes, thefts, windstorms, earthquake, and flood. You may extend to include other perils by paying additional premium.

What does "All Risks" cover?

All Risks include cover for perils under Houseowner section, accidental damage and other perils not specifically excluded. For more details on this, please refer to our policy wording.

What do I need to note if I want to cover my home contents and personal effects?

Home Contents All Risks Insurance
Items such as platinum, gold, silver articles, jewellery and furs are limited to one third of the sum insured for home contents.  
Please ensure that you insure your property and its contents for the full value to avoid being underinsurance in the event of claim.

Worldwide Personal All Risks Insurance
We will insure your personal effects up to RM3,000 for each item/pair and set.

Must I declare all my household contents to be insured?

You are only required to declare those items which have greater value than 5% of the total sum insured on the household contents (except furniture, pianos, organs, household appliances, radios, televisions sets, video recorders, hi-fi equipment and the like).

What is Worldwide Family Liability Insurance?

It covers third party claims (including legal costs and expenses) for accidental bodily injury or property damage arising from negligence caused by you, your immediate family members or your domestic helper.


General Exclusions applicable to All Sections

This policy does not cover loss or damage directly or indirectly caused by the following:


• War, invasion, act of foreign enemy, hostilities or warlike operations. (whether war be declared or not), civil war.
• Mutiny, riot, military or popular rising, insurrection, rebellion, revolution, or military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
• Any act of terrorism.
• Nuclear weapons materials, ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
• Cessation of work, confiscation, destruction to the property by local authority of the country.
• Own fermentation, natural heating, spontaneous combustion or undergoing any heating or drying process.
• Consequential loss or damage of any kind whatsoever.
• Criminal Breach of Trust and / or Theft by Deception.


Download the following forms and documents to find out more about this policy:

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 provided by PIAM, kindly click on the following link:-