What is house fire insurance?
House fire insurance provides you with coverage for your building and contents and covers loss or damage by fire, lightning, explosions, flood, burst pipe or by any perils mentioned in the insurance policy.
Covers and Benefit Provided
| Benefit Type | Houseowner (Buildings) | Householder (Contents) |
| Fire, Lightning, and Explosion caused by gas used for domestic purposes | √ | √ |
| Aircraft and aerial devices or articles dropped therefrom | √ | √ |
| Impact damage by road vehicles or animals | √ | √ |
| Bursting or overflowing of water tanks, apparatus, or pipes | √ | √ |
| Theft by actual forcible and violent breaking into and out of the house | √ | √ |
| Hurricane, Cyclone, Typhoon, Windstorm | √ | √ |
| Earthquake or Volcanic Eruption | √ | √ |
| Flood | √ | √ |
| Loss of Rent – Limit 10% of Total Sum Insured | √ | √ |
| Liability to the third parties for accidents in your house – Limit of Liability up to RM50,000 | √ | √ |
| Contents temporarily removed from the house – Limit 15% of total sum insured on contents | x | √ |
| Damage to mirrors, other than hand mirrors – Limit RM500 per piece any one accident | x | √ |
| Compensation on Death of the Insured; due to fire or robbery where there is violent and forcible entry to the house – Limit RM10,000 or one-half of the Sum Insured on contents whichever is lower | x | √ |
| Domestic helper’s property | x | √ |
Add on benefit type
Benefit Type | Houseowner (Buildings) | Householder (Contents) |
| Riot, Strike and Malicious Damage | √ | √ |
| Unoccupancy more than ninety (90) days | x | √ |
| Bush Lalang | √ | √ |
| Theft without actual forcible and violent breaking into and/or out excluding theft by domestic servants or member of family/household | x | √ |
The calculation for the home building coverage amount is based on the cost to rebuild the house, not the market value of the house. If you are not sure how much coverage is, you can click the link.
Large-scale flooding brought on by persistently heavy rain is anticipated in the nation starting in mid-November, according to the Malaysian Meteorological Department (MetMalaysia).
The director-general, Muhammad Helmi Abdullah said
“the northeast monsoon during the period would bring continuous heavy rain that could lead to major floods.”
For flood insurance Malaysia, mostly its call as fire insurance since its just same perils ass stated in coverage. If you have any enquiries or need more information, please contact us via WhatsApp on top of the page for fast response or click this link.
