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TOTAL PROTECTION AT HOME
Fire. Burglary. Armed robbery. These are just some of the most common risks your home is exposed to every day. With a MSIG policy that covers almost any event, you can protect your family home AND personal possessions from loss. Now, that’s peace of mind.
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| SUMMARY OF COVERAGE |
You can protect your home against:
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1. |
Fire and Lightning |
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2. |
Explosions |
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3. |
Aircraft and other aerial devices and / or articles dropped therefrom |
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4. |
Impact with any of the buildings by any road vehicles, animals not belonging to or under your control or any member of your family |
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5. |
Bursting or overflowing of domestic water tanks, apparatus or pipes |
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6. |
Theft accompanied by forcible and violent breaking into or out of your home |
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7. |
Hurricane, Cyclone, Typhoon, Windstorm |
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8. |
Earthquake, Volcanic Eruption |
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9. |
Flood but excluding loss or damage caused by subsidence or landslip |
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10. |
Loss of rent (not exceeding 10% of the total sum) |
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11. |
Personal Public Liability up to RM50,000 |
NOTE:
| 1. |
Items 7, 8 & 9 above excludes 1% of the total sum insured on buildings or the first RM200 of each and every loss whichever is the less. |
| 2. |
An excess of RM50 is applicable for Item 5 on each and every loss. |
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| TYPE OF COVER |
A. Houseowner Policy
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This policy insures the Building of your home against loss or damage by contingencies No. 1 to 11 listed above. |
B. Householder Policy
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This policy insures the Contents of your home, such as furniture, furnishings, household goods, kitchen equipment and other appliances, television and radio sets, and other similar equipment, clothing, personal effects and valuables. |
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It covers the same contingencies under the Houseowner Policy (items 1 to 11), PLUS additional coverage against: |
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Breakage of mirrors (other than hand mirrors) whilst in your home |
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Fatal injury to the policyholder. Compensation for death of the insured occurring at your home by a thief or fire at the sum of RM10,000 or half of the total sum insured on contents, whichever is less |
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| OPTIONAL BENEFITS WITH ADDITIONAL PREMIUM |
Houseowner only
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Accidental Damage to Plate Glass |
Householder only
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Theft without limitation of being accompanied by actual forcible and violent breaking into or out of your home |
Houseowner and Householder
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Riot, Strike & Malicious Damage |
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Additional Rent Insurance |
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Additional Public Liability |
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| HOME ASSIST PROGRAMME |
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Referral services include electrical wiring repairs, plumbing repairs, air-condition service & repairs, locksmithing, cleaning & restoration of carpets & furnitures, roof repairs etc. |
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Certified, experience contractors available 24 hours a day, 7 days a week, even on holidays |
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Competitive and reasonable charges assured |
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24-hour toll free 1-300-880-863 |
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| FREQUENTLY ASKED QUESTIONS |
| Q: |
Why must I insure my property and its contents for the FULL VALUE? |
| A: |
According to the Condition of Average, if you did not insure to the Full Value, you will only be paid for the percentage of the amount you have insured. |
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Example: |
House Insured: |
RM100,000 |
| House Value: |
RM150,000 |
| Partial Damage /Loss: |
RM40,000 |
| Claim Settlement: |
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| Q: |
How do I decide what should be listed in the section “Description of Contents”? |
| A: |
Make sure that all the valuables in your house are insured. Go to every room or section of your house and list down the contents one by one. |
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Example: |
Living room – sofa set, home theatre system; kitchen – built-in cabinets; study – computer, exercise equipment, and so on. As long as the item cost more than 5% of the Total Sum Insured, it should be listed. |
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