Houseowner and Householder

Enjoy better protection for your home and its contents.

Our Houseowner & Householder Insurance is available for all houseowners, householders and tenants, who want to ensure that their property is well protected. Insure your home and/or its contents with the Houseowner plan which covers loss or damage to the physical building and/or the Householder plan which secures the contents in residential houses, flats and condominiums.

Prevent damage or loss to your home and household goods by taking precautions.

Available for all houseowners, householders and house renters

This cover is subject to the terms and conditions of the policy.

Key Benefits

Fire, lightning, thunderbolt and subterranean fire

Damage caused by fire and lightning

Explosion

Aircraft and other aerial devices and / or articles dropped therefrom

Impact by any road vehicles or animals

not belonging to or under the control of the Insured or any member of the family

Bursting or overflowing of domestic water tanks, apparatus or pipes

Theft

If accompanied by actual forced and violent breaking into or out of a building or any attempt to do so

Hurricane, cyclone, typhoon and windstorm

Earthquake and volcanic eruption

Flood, excluding loss or damage caused by subsidence or landslip

Optional Extensions

Section 1: Buildings

Damage caused by plate glass
Damage caused by alterations, repairs and additions

Section 2: Household Contents

Coverage against unoccupancy in excess of 90 days
Coverage against full theft

Both Sections 1 & 2

Additional coverage against:

Riot, Strike and Malicious Damage
Subsidence and Landslip
Liability to the Public

Key features

Section 1: Buildings

Buildings refers to the physical building of a residential house, flat or condominium.

Section 2: Household Contents

This includes loss or damage to contents, damage to mirrors through breakage (excluding hand mirrors), temporary removal of property, compensation for the death of the Insured Person if death occurs within 3 calendar months of injury, and damage to servants’ property.

Section 3A: Rental Loss

This protects against loss of rent due to a dwelling being rendered uninhabitable by covered events.

Section 3B: Personal Liability

This covers liability of up to RM50,000 should you be sued for injury due to unsafe conditions within your insured property.

The benefit(s) payable under this eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Liberty General Insurance Berhad or PIDM (visit www.pidm.gov.my).

This product is underwritten by Liberty General Insurance Berhad Registration No. 197801007153 (44191-P), licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.