Houseowner Householder (HOHH)

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Householder/Houseowner

Buildings of a Private Dwelling House at the premises and includes:

all domestic offices, stables;
garages and outbuildings on the same premises used solely in connection to it and on the same premises;
fixtures and fittings;
walls, gates and fences around the premises.
Private Dwelling House shall also refer to buildings of Flats and Apartments.

Household contents are:

Household goods and personal effects of every description, belonging to the insured/participant or any member of his/her family normally residing with him/her contained in the Private Dwelling.

This plan provides you with the following benefits:

Benefit type	Houseowner (Buildings)	Householder (Contents)
Fire, Lightning, and Explosion caused by gas used for domestic purposes	✔	✔
Aircraft and aerial devices or articles dropped therefrom	✔	✔
Impact damage by road vehicles or animals	✔	✔
Bursting or overflowing of water tanks, apparatus or pipes	✔	✔
Theft by actual forcible and violent breaking into and out of the house	✔	✔
Hurricane, Cyclone, Typhoon, Windstorm	✔	✔
Earthquake or Volcanic Eruption	✔	✔
Flood	✔	✔
Loss of Rent - Limit 10% of Total Sum Insured	✔	✔
Liability to the third parties for accidents in your house – Limit of Liability up to RM50,000	✔	✔
Contents temporarily removed from the house – Limit 15% of total sum insured on contents	✘	✔
Damage to mirrors, other than hand mirrors – Limit RM500 per piece any one accident	✘	✔
Compensation on Death of the Insured; due to fire or robbery where there is violent and forcible entry to the house – Limit RM10,000 or one-half of the Sum Insured on contents whichever is lower	✘	✔
Domestic helper’s property	✘	✔

You may also extend your coverage with additional premium for the following benefits:

Benefit type	Houseowner (Buildings)	Householder (Contents)
Riot, Strike and Malicious Damage	✔	✔
Unoccupancy in excess of ninety (90) days	✘	✔
Theft without actual forcible and violent breaking into and/or out excluding theft by domestic servants or member of family/household	✘	✔

Duration of cover is for one year. You need to renew your insurance policy annually.

This policy does not cover certain losses, such as:

Loss or damage due to subsidence, landslip, riot, strike and malicious damage, unless extended;
Loss or damage due to war, civil war and any act of terrorism;
Loss or damage to building if left unattended for more than ninety (90) days (unless it is notified in writing to us and agreed by us by way of an endorsement issued);
Loss or damage due to radioactive and nuclear energy risks.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions.

Terms & conditions apply.

For Malaysian or Permanent Residents who own or renting a house in Malaysia.