With the Houseowner insurance policy, you can be assured that your home is immeasurably covered against a host of perils including natural disasters, sudden impacts and accidents that may cause loss or damage to your home’s structure.
Disaster ReliefCovers the building against all natural perils including fire, lightning, windstorm, earthquake and floods
Sudden ImpactCovers loss or damage to your building due to damages caused by aircrafts, road vehicles and animals, as well as domestic gas explosions
Unforeseen PerilsProtects your house against damages incurred by bursting or overflowing water tanks or pipes, theft or rental loss
Add on BenefitsInvest in additional protection against subsidence, landslip, riot, strike, malicious damage, and liabilities to third parties for accidents in your house
Building Cost Calculator
“This Building Cost Calculator (“Calculator”) provides an estimate of the rebuilding cost of your property for evaluation purposes only, and does not guarantee the actual amount that we may agree to insure your property for. The Calculator is intended to assist in estimating the sum that your property is to be insured for and shall not at any time be a substitute for professional advice and judgment, particularly where a property has any unusual features or is outside the range of properties described below. If your property has any unique or special design features, kindly refer the property to a professional valuer for a more accurate assessment of your property.
Building Cost Calculator helps you estimate the cost of rebuilding your property
Legal Shield - House Owners
Benefits of Coverage
|Personal Injury||Pursuit of legal proceedings in respect of any incident or event causing bodily injury or death to you, provided that the bodily injury or death is a result of a sudden and specific incident or event|
|Employment Disputes||Pursuit of legal proceedings arising from or relating to your contract or employment as an employee|
|Contract Disputes||Pursuit or defense of any disputes or legal proceedings made by or brought against you over a contract for the sale, purchase or hire of goods and services provided|
|Property Disputes||Covering the legal expenses incurred in any disputes or legal proceedings made by or brought againts you, provided you will suffer financial loss if you fail to pursue or defend the dispute or legal proceeding|
|Legal Defense||Covering the legal expenses incurred in defending a prosecution against you in a court of criminal jurisdiction arising from the sale or supply of privately owned goods|
- This Legal Shield claim is limited to RM 100,000 of any one claim / aggregate in one (1) year, whichever comes first
- The excess clause is RM 1000 which is to be borne by the policyholder, applicable to each and every claim
- This embedded coverage benefits are only limited to HO/HH policyholders
FAQ - Potential Claims Scenarios
An entrepreneur was involved in a car accident whilst she was travelling in a taxi to the airport. She was unable to work for over 4 months due to a serious broken leg.
Considering that she is self-employed and the accident had caused her loss of income throughout the 4 months period, she used the policy to pursue the taxi company for compensation.
A loyal employee had been working at a factory in Johor for over 20 years. Following the downtime in business, the factory owner had to downsize the work force for the sake of business stability. The employee was retrenched whilst most of the junior employees and new recent joiners being kept on.
Following her dismissal, she felt that she had to take legal action to enforce her rights. She managed to use the policy to fund her legal presentation and won sizable damages from her former employer.
A newly married couple decided to move into a new home and agreed to sell a number of large and expensive furniture items via the internet. Exact photos and measurements of all items were provided and displayed accordingly on the internet for the buyers’ reference.
Following a successful sale, a dispute arose on the measurement as the buyer was unable to fit the items that he bought into his property and demanded for a full refund. The married couple refused to refund the payment as demanded by the buyer as the items were sold in the exact condition and description portrayed in the photos.
As a policyholder, they were lucky as the Legal Shield Insurance managed to cover RM 5,000 of legal costs incurred in defending the subsequent action by the buyer.
A married couple leased a large apartment in central of Kuala Lumpur. However, upon moving into the apartment, the husband noticed that the roof was leaking. Due to the bad condition, they unable to use their lounge and it also had caused damaged to their furniture and personal items kept in the apartment.
The married couple asked the landlord to fix the roof. The landlord claimed it was their responsibility to repair the damages as they are the current tenant. They were unsatisfied with the respond given by the landlord and they decided to bring this case to the court and sue the landlord. In the court, the Judge found the roof was the responsibility of the landlord and he ordered the landlord to pay them to compensate their losses.
As a policyholder of Legal Shield Insurance, Their legal cost of RM 15,000 were covered by the Legal Shield Insurance whilst the remaining cost was recovered from the landlord.
A seller sold a portable air conditional unit to his customer however, the customer had been electrocuted whilst operating the portable air conditional unit that he bought from the seller. Due to the incident, the case was brought to the court. The seller was found guilty for supplying dangerous goods to his customer although his lawyer argued that the item was not faulty at the point of sale and were sold in a safe condition.
The seller who is also a Legal Shield Insurance policyholder was acquitted however his legal cost of RM 36,000 was covered by the Legal Shield Insurance.