|
This insurance covers Private
Dwellings against Fire and other perils as listed
hereunder. The Houseowners policy is designed to
cover the building.
Cover
|
• |
Fire, lightning, thunderbolt, subterranean
fire |
|
• |
Explosion |
|
• |
Aircraft and other aerial devices and/ or
articles dropped therefrom |
|
• |
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. |
|
• |
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 |
|
|
• |
Theft but only if accompanied by actual
forcible and violent breaking into or out of a
building or any attempt thereat. |
|
• |
Hurricane, cyclone, typhoon, windstorm. |
|
• |
Flood but excluding loss or damage caused by
subsidence or lanslip. |
|
• |
Earthquake, volcanic eruption |
 
Additional Protection in
addition to Perils above
|
• |
Rent (Up to 10% of the Total Sum Insured on
Buildings)
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.
|
|
• |
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 owner of the Private Dwelling
House in respect of accidents caused by a defect
in the Buildings of the Private Dwelling House
or in the Landlord's fixtures and fittings or in
the walls, gated, fences and trees around and
pertaining thereto, 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
|
| 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. |
|
Ratings (Minimum Policy
Premium RM60.00)
The rates shown hereunder are Annual Premium
rates per cent, applicable to 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).
|
Type of Dwelling |
Rate
|
Illustration of
Premium Due for Sum Insured of RM100,000
(in RM)
|
|
Detached and
non-detached dwelling; |
0.106%
|
106.00
|
| Flats
& Apartments |
0.109%
|
109.00
|
|
