AIG

Underwritten by AIG Malaysia Insurance

AIG Personal Property Insurance

Standard home insurance policy from AIG that protect your house and valuable contents against fire and allied perils. Claim for your loss and damage conveniently and get reimbursed via e-payment.

    Get covered now with AIG Personal Property Insurance

    RinggitPlus will help you every step of the way.

    By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

    You are one step closer to getting your coverage with AIG Personal Property Insurance

    Let us know you better so we can help you get the right amount of coverage.
    Confirm your application

    Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

    Please fill in all fields and enter a valid email

    Thank you for applying with RinggitPlus!

    We’ve sent you an email to help with your application.

    Continue to AIG website

    If you have any questions let us know at can@ringgitplus.com, we'd love to help!

    Follow us to keep in touch and not miss out on offers and promotions.

    View product disclosure sheet.

    Coverage

    How much you can claim for AIG Personal Property Insurance

    • Home Property
      The claims on your medical card cannot exceed this amount in a single policy year.
      Flexi
    • Home Contents
      Value claimable for house contents if damaged is caused by any of the events covered.
      Flexi
    • House Repairs
      For repairs to house property that are caused by events covered under this plan.
      Not Covered
    • Rent Insurance
      Landlord insurance if you cannot collect rent because the house is uninhabitable.
      Not Covered
      View more coverage details +

      Coverage Type

      Events covered under your home insurance policy

      Fire
      Lightning
      Thunderbolt
      Flood
      Subsidence & Land Slip
      Water Tanks Or Pipes
      Explosion
      Impact Cover
      Aircraft & Aerial
      Subterranean Fire
      Hurricane, Cyclone, Typhoon & Windstorm
      Earthquake or Volcano
      Theft
      Riot Strike
      BushFire
      Falling Trees & Branches

      How to Claim

      Home Insurance Claim Hotline
       60321180188  1800888811
      AIG Customer Care Hotline
       1800888811

      Requirements

      Am I eligible to apply for this insurance?

      Minimum Entry Age
      At least 18 years of age
      Maximum Entry Age
      At most 70 years of age

      Frequently Asked Questions about AIG Personal Property Insurance

      Things you might want to know

      A standard home insurance plan for houseowners in Malaysia that is comprehensive and flexible, ensuring your house and personal belongings are protected round the clock, just like you protect your life.

      Why should I get AIG Personal Property Insurance?

      AIG Personal Property Insurance covers your building (main structure, wall, fixtures, fittings, gate, fences and interior decorations) and its contents against natural disasters, impact damage by third party and theft.

      What makes this home insurance plan stands out is that it provides coverage limit up to 30% of your personal valuables, including watches, jewellery, designer handbags and electronic gadgets.

      Can include other benefits to my AIG home insurance plan?

      You can upgrade to full theft coverage, which extend the perils from common break-ins to robbery and hold up in your premise.

      AIG will reimburse you for events such as loss and damage to contents, cash value as well as lock and keys replacement cost, in addition to fatal injury, subject to additional premiums.

      How much premium do I have to pay?

      Your home insurance premium will depend on the type of your residence (landed or flat / apartments), type of constructions, cover selected and the sum insured, including a commission between 15% to 25% paid to the insurance agent.

      In addition, you will also need to pay for a Stamp Duty of RM10 and a 6% GST. The premium charged follows the standard minimum rate in accordance with the Malaysia Fire Insurance Tariff.

      How do I renew my home insurance policy?

      You can choose to either commit your home insurance premium payment by monthly or annually. For the former, your home insurance policy will be automatically renewed until you stop paying the premium or cancel the policy.

      If you chose to make an annual premium payment, you will receive a renewal notice before your current policy expires. Either way, always contact your agent to keep track of your premium payments.

      How much should I insure my home and valuable contents?

      The rules of thumb to purchasing the right home insurance plan is knowing the appropriate amount to insure your house and personal belongings. It is worth noting that you should always cover your house based on the market value of your property at the time of loss and damage.

      In other words, your total sum insured should correspond to the cost of rebuilding of your house and replacing its contents. You may also select to insure your property based on the Market Value (equivalent to the depreciated value of lost / damaged items) or Reinstatement Value basis.

      Can I cancel my home insurance policy?

      Yes, you may cancel your AIG home insurance policy. However, prior to cancellation, you should notify AIG Malaysia Insurance by way of a written notice. Upon cancellation, you will receive a partial refund of the premium provided of which you have not made any claim during the insurance period.

      Read More