Household Guard Policy

Household Guard is all about reducing your worries. With household guard you will not have to worry about loss or damage to your home contents which had taken you years to accumulate.

Scope of Coverage

Household Guard's wide range of coverage includes :-

  • Fire & Lightning
  • Explosion
  • Natural disasters i.e. windstorm, typhoon, earthquake, volcanic eruption
  • Impact damage by aerial and/or ground devices
  • Theft/burglary following forcible entry
  • Hold up & armed robbery
  • Bursting/overflowing of domestic pipes/water tanks pipes/water tanks
  • Riot. Strike & malicious damage

Extensive contents coverage :-

  • Furniture including wall mirrors
  • Electrical appliances including cam-corders, camera and the like
  • Personal computers including its software
  • Silverware, gold, platinum, pewter, jewellery, watches furs up to 30% of sum insured
  • Cash, currency notes, bank notes, coins collections up to RM1,000.00
  • Personal effects situated within the compound e.g. bicycles, gardening tools up to RM1,000.00
  • Antiques, valuable paintings and other valuable up to 30% of sum insured
  • Servant property up to RM1,000.00
  • Damage to refrigerator contents and the like caused by insured perils up to RM200.00
  • Damage to lock and keys consequent of insured perils up to RM200.00
  • Fire department charges up to RM5,000.00
  • Property temporarily removed
  • Personal Accident coverage up to 5 members of the household up to RM10,000.00 per person
  • Cash reimbursement up to 10% of Sum insured
  • Public Liability cover which will protect you against legal liabilities in the event you inadvertently cause injury or property damage to other up to RM250,000.00

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Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.