Your home is your sanctuary, and it’s only natural that you want to preserve this idyllic space by ensuring it’s always protected. But no matter how hard you try, it’s nearly impossible to prevent the unexpected from happening, in which case, Houseowner & Householder Insurance helps alleviate the financial burden that arises when the untoward happen to your home and its contents.
Houseowner & Householder Insurance is available for all houseowners, householders and house renters. It covers loss or damage to the physical building and / or contents of residential houses, flats and condominiums, excluding buildings under construction, from a range of occurrences.
The basic Houseowner & Householder Insurance policy covers your home against the following:
Apart from the basic Houseowner & Householder Insurance policy, you can also choose to extend coverage, with an additional premium, to encompass:
For Section 1: Buildings
For Section 2: Household Contents
For Both Sections 1 & 2
Additional coverage against:
Basic premiums for Houseowner & Householder Insurance are calculated based on a standard tariff rate prescribed by Persatuan Insurans Am Malaysia (PIAM) and are affected by the type of building (detached, non-detached, flats or apartment), construction classification of the building and the sum insured. Speak to a AmAssurance agent at 1300 88 2647 to find out more.
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The Building Cost Calculator (BCC) is intended to be used as a guide to help you in determining the estimated sum insured for your residential property, shop house or shop office.
You are advised to review the sum insured to provide for the actual cost of rebuilding, including any renovation and inflation to avoid underinsurance.
Please click HERE to visit PIAM's website for the BCC calculator as your reference.