Houseowner Insurance

Scope of Coverage

Houseowner insurance protect your home and precious personal and household belongings according to your needs.

 

Protection Plan & Benefits

 

With SmartHome Optimum, you have the choice and flexibility to protect your home and precious personal and household belongings according to your needs. It also provides you and your family protection against 24-hour worldwide third party liability.
  • Flexible coverage

Unlike some other insurance policies, SmartHome Optimum allows you to tailor the type of protection as well as the level of benefits to suit your needs and budget.

Just choose one or both of the Main Covers to enjoy any one or all of the Riders.

 

Table of benefit

Main Cover (please select Section (A) and/or (B))

SECTION DESCRIPTION OF BENEFITS SUM INSURED PREMIUM
A Houseowner Insurance
1. Building

2. Rent

3. Owner’s Liability

Cost of rebuilding exclu. land value

10% of building insured

RM50,000

Rate: 0.106% (landed property)/ 0.109% (flats & apartments)

Free of charge

Free of charge
(min. premium: RM60)

B
Home Contents Insurance
All Risk Cover including Special Covers:

1. Loss of money due to theft at home

2. Cost of replacing locks/keys due to break-in

3. Deterioration of food in the feezer

4. Cost of replacing lost legal documents

5. Loss or damage to contents during temporary remowal

Total value of the household contents

Up to RM1,000

Up to RM500

Up to RM250

Up to RM1,000

15% of total value of contents

(excess: RM150 each and every loss except Special Covers)

Rate: 0.75%

Free of charge

Free of charge

Free of charge

Free of charge

Free of charge

(min. premium: RM75)

 

Riders (please select Section (C) and/or (D))

SECTION DESCRIPTION OF BENEFITS SUM INSURED PREMIUM
C Wordwide All Risk Insurance
– on Personal Effects
Value of personal effects e.g. jewellery, watches, cameras, etc
(excess: RM150 each and every loss)
Rate: 1.5%
(min. premium: RM75)
D Wordwide Family Liability Insurance
(including USA & Canada)
RM200,000
RM25

 

Product Brochures (pdf) | Product Disclosure Sheet (pdf)

Insurer: Axa Affin General Insurance Bhd

Important Notice!

The information of the insurance plan is up to date at the time of this website is published. As time goes on, the information could be amended or revised by the insurer and the authority. If such event happen, the insurer’s version is the most correct. For detailed coverage and protection, kindly refer to your policy contract.

 

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