Product Overview
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
What’s included
Discover the protection and benefits included in your plan.
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Disaster Relief
Covers the building against all natural perils including fire, lightning, windstorm, earthquake and floods
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Sudden Impact
Covers loss or damage to your building due to damages caused by aircrafts, road vehicles and animals, as well as domestic gas explosions
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Unforeseen Perils
Protects your house against damages incurred by bursting or overflowing water tanks or pipes, theft or rental loss
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Add on Benefits
Invest in additional protection against subsidence, landslip, riot, strike, malicious damage, and liabilities to third parties for accidents in your house
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Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
Building Cost Calculator helps you estimate the cost of rebuilding your property
Legal Shield - Houseowner
Terms
- 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
Benefits of Coverage
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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
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Employment Disputes
Pursuit of legal proceedings arising from or relating to your contract or employment as an employee
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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
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Property Disputes
Covering the legal expenses incurred in any disputes or legal proceedings made by or brought against you, provided you will suffer financial loss if you fail to pursue or defend the dispute or legal proceeding
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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
Potential Claims Scenarios for Legal Shield
Personal Injury
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.
Employment Dispute
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.
Contract Dispute
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.
Property Dispute
Legal Defense
Important Documents
To fully understand your insurance plan, please read these important documents. They provide crucial information such as coverage details, exclusions and your rights as a policyholder so you can make an informed decision.
Must-Read Documents
Product Disclosure Sheet (PDS)
A quick overview of the key details, terms, and exclusions for this plan to help you make an informed choice.
English PDF
Policy Wording
The full terms and conditions of your policy, including what’s covered, exclusions, and your responsibilities.
Other Documents
Legal Shield Brochure
This is a snapshot of the product’s main features and benefits.
Proposal Form
Use this form if you’d like an offline quote. (No need to fill this out for online purchases.)
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