1. This insurance covers private dwellings against fire and other perils as listed hereunder: houseowners of the policy is designed to cover the building whilst householders of the policy is designed to cover the household contents therein.
      • Fire lightning, thunderbiolt, subterranean fire
      • Explosion
      • Aircraft and other aerial devices and / or articles dropped therefrom
      • Impact with any of the building by any road vehicles or animals not
        belonging to or under the control of the insured or any member or his
      • Bursting or overflowing of domestic water tanks, apparatus or pipes excluding :-
        • In respect of each and every loss the amount stated in the schedule
        • Destruction or damage occurring while the private dwelling house is left untenanted
      • Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt thereat/ 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 against his 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
      • Earthquake, Volcanic Eruption
      • Flood but excluding loss or damage caused by subsidence or landslip.
    2. In addition to the above, the standard policy provides additional protection as follows
      • Rent
The company will indemnify the insured for the undermentioned loss actually incurred by the insured in consequence of the premises specified in the schedule being so damaged as to be rendered uninhabitable but only in respect of the period necessary for reinstatement and subject to an amount not exceeding in the aggregate ten ( 10 ) per cent or up to the limit as endorsed hereon of the total sum insured on building and / or contents.
      • Liability to the public

The company will indemnify the insured against all sums for which the insured may be held legally liable :-

  • Applicable when section 1 – building is covered as owner of the private dwelling house in respect of accident caused by a defect in the building of the private dwelling house or in the landlord’s fixtures and fitting or in the walls, gates, fences and trees around and pertaining thereto
  • Applicable when section II – contents is covered as a private householder occupying the private dwelling house in respect of accidents in or about the private dwelling house.
    1. Occurring during the period of insurance and resulting in
      • Bodily injury to any person not being a member of the insured’s family or householder not at the time of sustaining such injury engaged in the insured’s service.
      • Damage to property not belonging to or in the charge of or under the control the insured or of a member of his family or household or of a person in his service.

Provided always that the amount payable hereunder in respect of any one accident or series of accidents constituting one occurrence shall be limited to RM50,000 The company will, in addition, indemnify the insured in respect of:

      • Legal cost and expenses recoverable from the insured by any claimant provided such costs and expenses were incurred before the date ( if any ) on which the company shall have to paid or offered on pay either the
        full amount of the claim or the total amount recoverable in respect of any one occurrence as herein before provided:
      • Legal costs and expenses incurred by the insured with the consent of the c


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Note: All the above stated are subject to insurance company acceptance and approval only.