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This insurance covers Private
Dwellings against Fire and other perils as listed
hereunder. The Householders policy is designed to
cover the Household Contents contained in the
Private Dwelling.
Cover
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Fire, lightning,
thunderbolt, subterranean fire. |
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Explosion |
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Aircraft and other
aerial devices and/ or articles dropped
therefrom. |
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Impact with any of the
buildings by any road vehicles or
animals not belonging to or under the
control of the Insured or any member of
his family. |
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• |
Bursting or overflowing
of domestic water tanks, apparatus or
pipes, excluding:
| a) |
in respect of each and
every loss the amount stated in the
policy schedule |
| b) |
destruction or damage
occurring while the Private Dwelling
House is left untenanted. |
|
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• |
Theft but only if
accompanied by actual forcible and
violent breaking into or out of a
building or any attempt thereat. |
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Hurricane, cyclone,
typhoon, windstorm. |
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Earthquake, volcanic
eruption. |
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Flood but excluding loss
or damage caused by subsidence or
landslip. |
 
Additional Protection in
addition to Perils above
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Rent (Up to 10% of the
Total Sum Insured on Contents)
The Company will indemnify the Insured
for the undermentioned loss actually
incurred by the Insured in consequence
of the premises specified in the policy
schedule being so damaged as to be
rendered uninhabitable but only in
respect of the period necessary for
reinstatement.
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• |
Liability to the Public
(Up to RM50,000 any one accident)
The Company will indemnify the Insured
against all sums for which the Insured
may be held legally liable as a Private
Householder occupying the Private
Dwelling House in respect of accidents
in respect of accidents in or about the
Private Dwelling House, occurring during
the Period of Insurance and resulting
in:
| i) |
Bodily injury to any
person not being a member of the
Insured's family or household nor at the
time of sustaining such injury engaged
in the Insured's service
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| ii) |
Damage to property not
belonging to or in the charge of or
under the control of the Insured or of a
member of his family or householder or
of a person in his service. |
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Ratings (Minimum Policy
Premium RM60.00)
The rates shown hereunder are Annual Premium
rates per cent, applicable to contents in Private
Dwelling Houses constructed of brick or concrete
walls, roof of tiles or concrete or other
non-combustible materials and floors of reinforced
concrete (classified as construction class 1A).
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Type of Dwelling |
Rate
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Illustration of
Premium Due for Sum Insured of RM100,000
(in RM)
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Detached and
non-detached dwelling; |
0.398%
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398.00
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