Risks covered

  • Fire, lightning, thunderbolt, subterranean fire
  • Explosion
  • Aircraft and other aerial devices and/or articles dropped therefrom
  • Impact with any of the buildings by any road vehicles, horses or cattle not belonging to or under the control of the Insured or any member of his family
  • Bursting or overflowing of domestic water tanks, apparatus or pipes excluding:-
    -The first RM50 of each and every loss
    -Destruction or damage occurring while the private dwelling house is left unfurnished
    -Damage caused thereof
  • Theft but only if accompanied by actual forcible and violent breaking into or out of building or any attempt threat. Provided that in the event of the private dwelling being left without an inhabitant therein for more than ninety (90) days whether consecutively or not in any one period of insurance the insurance against this peril shall, unless otherwise agreed by endorsement hereon, be entirely suspended in respect of any period or period during which the private dwelling may be unoccupied in excess of the aforesaid ninety (90) days
  • Hurricane cyclone, typhoon, windstorm subject to the Excess Clause *
  • Earthquake, volcanic eruption subject to the Excess Clause*
  • Flood but excluding loss or damage caused by subsidence or landslip; subject to the Excess Clause*
  • Loss of rent (not exceeding 10% of the total sum insured on buildings) in the event of the private dwelling house being so damaged by any of the above Perils as to be rendered uninhabitable
  • The insured's liability to the public as owner of the premises in respect of bodily injury or damage, up to RM50,000 in any one occurrence, and in addition costs payable to the claimants and/or incurred with the consent of the company in defending the claims
  • Riot strike / malicious damage**
  • Plate glass exceeding RM500 per piece in value**
*Excess Clause: Excluding 1% subject to the total sum insured on buildings or the first RM200 of each and every loss, whichever is less
**With additional premium

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