INSURANCEMART.MY

The Secure-Home Package policy protects you and your home against:

• Fire, lightning, thunderbolt and subterranean fire

• Explosion

• Aircraft, other aerial devices and/or articles dropped

• Impact damages (by third party’s vehicle or animals not belonging to the Insured)

• Bursting or overflowing of domestic water tanks, apparatus or pipes

• Theft subject to forcible violent entry or exit

• Hurricane, cyclone, typhoon, windstorm

• Earthquake, volcanic eruption

• Flood (including overflowing of the sea)

• Riot strike and malicious damages

• Fatal injury by fire or theft – RM 20, 000

• Loss of rent / Alternate Accommodation Expenses – up to 10% of Sum Insured

• Public Liability up to RM 100, 000

 

Optional Coverage:

• Subsidence & Landslip 

• Loss of rent / Alternate Accommodation (in excess of 10%) 

• Public Liability up to RM 250K 
   

Extra Features:

• Loss of cash – reimbursement up to RM 1,000

• Replacement / Repair of damaged locks / keys / doors / windows – reimbursement up to RM 1,800

• Loss of or damage to your mountain bike / pedal cycles – reimbursement up to RM 500

• Cash Assist – up to 5% of Sum Insured. This is for transportation costs to remove the contents from your house, temporary storage, and purchase of basic items

• Disaster Cash – RM 5, 000. Lump sum payment in the event your home becomes uninhabitable for more than 48 hours as a result of natural disaster or fire

• Cost of replacing title deeds or legal documents – reimbursement up to RM 2, 500

• Coins, medals and stamps collection – reimbursement up to RM 500

• Fire Brigade Charges – reimbursement up to RM 1,000

• Damage to Freezer Food – reimbursement up to RM 500

• Breakage of mirrors – reimbursement up to RM 500

• Temporary removal of contents – up to 15% of Sum Insured

• Order to Evacuate by Government / Public Authority – 50% of Sum Insured

• Loss or damage to clothing & personal effects of maid – reimbursement up to RM 2,000

• Jewellery & Personal Valuables – reimbursement up to 1/3 of Sum Insured

• New for old cover – we will replace your old items with brand new items of similar make/model subject to availability

• Full extended theft – theft without forcible entry / exit, armed robbery & burglary

• No receipts required – however for a smoother claims assessment, receipts, if available, should be furnished

• No average clause

• No listing required

• No one article (furniture, pianos, organs, household appliances, radios, televisions, video recorders, hi-fi equipment and the like excepted) shall be deemed of greater value of 5% of the Total Sum insured. 

This is a package to cover the items as listed below contained within your private residence against fire and allied perils.

 

This policy covers loss or damage to the items due to fire, lightning, explosion, aircraft damages, impact damages (by third party’s vehicle only), bursting or overflowing of water tanks or pipes, theft subject to forcible violent entry or exit, hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption, and flood.

 

Items covered can be: sofa set dining set fans, air-conditioners and light fittings, refrigerator, washing machine, microwave oven, electrical appliances (kitchen), TV, VCD/VCR (excluding Astro dish and decoder), hi-fi and other audio visual accessories, beds and mattresses, desktop computers (excluding laptops, PDAs, cameras and video cameras), etc.