Houseowner and HouseHolder Takaful

Protect your home and belongings from unexpected events, keeping your property and assets secured.

Why You Need Houseowner
and HouseHolder Takaful

Every day life at home comes with small and big surprises, and this plan supports you when unexpected situations affect your property or belongings.
Protect Your Investment

Your home is one of your largest investments, and this plan helps you secure it against unforeseen mishaps.

Keep Your Family Protected

Ensure your loved ones are supported financially if accidents or damage occur at home.

Preserve Your Belongings

From furniture to electronics, maintain the value of your personal belongings and avoid costly replacements.

Minimise Stress During Emergencies

Having a safety net allows you to focus on recovery and repairs without financial strain.

Comprehensive Coverage
for Houseowner and HouseHolder

Protect your home and assets against a wide range of unexpected events that can cause damage or loss.
Coverage

Fire, Lightning, and Domestic Explosion

Covers damages to your property caused by fire, lightning strikes, or domestic explosions.

Natural Disasters

Provides reimbursement for losses resulting from floods, earthquakes, typhoons, windstorms, and other acts of nature.

Accidental Damage by Vehicles or Animals

Protects your home from damage caused by road vehicles or animals.

Loss of Rent

Reimburses up to 10% of your total sum covered if your property becomes uninhabitable and rental income is lost.

Water Damage

Covers damages caused by the bursting or overflowing of domestic water tanks, apparatus, or pipes.

Theft Protection

Provides coverage for theft involving actual forcible and violent entry into your home.

Boost Your Coverage
with Add-Ons

Customise your protection with optional add-ons that cover additional risks and extend your policy limits.
Add ons

Riot, Strike, and Malicious Damage

Extends coverage to damages caused by riots, strikes, or other malicious acts affecting your property.

Increased Public Liability Limit

Raises the limit of liability to the public up to RM250,000 for greater protection.

Higher Loss of Rent Coverage

Increase your coverage for loss of rental income beyond the basic plan limits.

Inoccupancy Extension

Protect your home during periods of absence exceeding 90 days, keeping your property covered.

Theft Protection Without Forced Entry

Provides coverage for theft even when no actual forcible or violent entry occurs, excluding acts by domestic servants or family members.

Get your free eInsurans guide today and make informed insurance decisions.

Frequently
Asked Questions (FAQs)

What types of damages are covered under Houseowner and HouseHolder Takaful?

The plan covers damages to your home caused by fire, lightning, domestic explosions, natural disasters, and accidental damage from vehicles or animals.

Yes, with the inoccupancy add-on, your home remains protected even if it’s unoccupied for more than 90 days.

Yes, you can be reimbursed for loss of rent up to 10% of your total sum covered, with the option to increase this limit through an add-on.

The basic plan covers theft involving forcible and violent entry, while an add-on can extend coverage to theft without forced entry, excluding acts by family members or domestic staff.

Yes, there is an add-on that raises the limit of liability to the public up to RM250,000 for greater protection.

Yes, you can opt for an add-on that covers damages caused by riots, strikes, or malicious acts affecting your property.

Yes, damages caused by bursting or overflowing of domestic water tanks, pipes, or related apparatus are included under the basic coverage.

Do you have more questions?
Reach out to our team anytime, and we’ll guide you through your insurance needs.
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Product Documents

Download the document to understand more about coverage details, policy terms, and benefits for your home or belongings.

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Protect your home and belongings. Purchase Houseowner and HouseHolder Takaful insurance effortlessly with eInsurans.

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