AXA Affin

Underwritten by AXA Affin General Insurance Berhad

AXA SmartHome Optimum (Enhanced)

Protect your home building and its contents with one comprehensive plan from AXA. Customise the plan to suit your needs and take control of your coverage.

    • Home Repairs
    • Rent Insurance

Get covered now with AXA SmartHome Optimum (Enhanced)

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How much you can claim for AXA SmartHome Optimum (Enhanced)

  • Home Property
    Total amount covered for damages to the building, not exceeding the property value.
    from RM100000 up to RM2000000
  • Home Contents
    Value claimable for house contents if damaged is caused by any of the events covered.
    from RM50000 up to RM250000
  • House Repairs
    For repairs to house property that are caused by events covered under this plan.
    As Charged up to the sum of building insured
  • Rent Insurance
    Landlord insurance if you cannot collect rent because the house is uninhabitable.
    up to 10 %of building sum insured
    • Jewellery & Valuables
      Amount covered for loss and damage to your jewellery and other personal valuables.
      up to 50 %of the Sum Insured
    • House Mirrors
      Cost to replace house mirrors that are damaged during any insured event.
      As Charged
    • Door Locks & Windows
      For charges to replace house doors, locks and windows due to damage.
      up to RM500
    • Refrigerator Contents
      For the cost to replace damaged contents in the refrigerator.
      up to RM250 For items stored in the Freezer
    • Cash Allowance
      Cash amount that you can claim if the house becomes uninhabitable.
      up to RM1000
    • Removal Of Property
      Cost to move property from your house due to events covered.
      from RM up to RM2000000
    • Public Liability
      Coverage for public claims due to damage or injuries caused by your house property.
      up to RM50000
View more coverage details +

Coverage Type

Events covered under your home insurance policy

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

How to Claim

Home Insurance Claim Hotline
AXA Affin Customer Care Hotline
 60321708282 (Press 2 for Claims)


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 21 years of age
Maximum Entry Age
At most 70 years of age

Frequently Asked Questions about AXA SmartHome Optimum (Enhanced)

Things you might want to know

What is AXA Smart Home Optimum (Enhanced)?

AXA Smart Home Optimum (Enhanced), underwritten by AXA Affin General Insurance Berhad, is a home insurance policy that is tailored to protect your house and your personal belongings in one comprehensive plan.

Because it is important to understand what risk is and where it comes from, this home insurance plan offers you flexibility to choose the types of coverage that suit your needs and budget.

What are the benefits under this home insurance plan?

Coverage for this protection plan is broken up into two parts, Section A: Houseowner coverage, which is the protection of your building itself, and Section B: Home Contents, which is coverage for the contents of your home.

With AXA Smart Home Optimum (Enhanced) your home building (Section A) will be covered wit  compensation for any loss and damage due to fire, lightning, explosions, aircraft damage, impact damage, bursting or overflowing of water tanks or pipes, hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption, flood and housebreaking or theft by forcible entry, plus also covers loss of rent or cost of temporary accommodations and owners liability.

Protection for your home contents (Section B) on the other hand, will include coverage on an "All Risk" basis. Which means, your home contents are covered against all the perils covered by Section A: Houseowner but will also include additional protection against, riots, strikes and malicious damage, accidental damage and 'Full Theft'. This means, you will have coverage even for burglaries or theft without signs of forcible entry.

Both parts of the coverage for this AXA Smart Home Optimum (Enhanced), will come with additional complimentary coverage. Complimentary benefits for Homeowners will include Loss of Rent, Owner's or Tenant's Liability, Removal of Debris and complimentary Architects, Surveyor and Consultation Fees. In the case of Home Contents, the list is a little more extensive;

  • Loss of money due to theft
  • Cost of replacing locks/keys due to housebreaking
  • Deterioration of food in freezer
  • Cost of Replacing Legal documents
  • Loss or damage to contents during temporary removal
  • Loss or damage to water filter outside building
  • Cost of repairing burst water pipe including hacking
  • Emergency cash allowance
  • Fraudulent use of Credit/ ATM Card
  • Fraud or Dishonesty of Domestic Servant
  • Fire Extinguishement Expenses

Remember to check with your insurance agent, or your policy contract as to how far the coverage for these benefits extend.

Are there any Riders available?

Yes there are a few optional riders that you can pick up with this protection plan, the first being, Worldwide Personal All Risks, it is coverage for loss or damage of personal affects e.g. jewellery, watches or cameras, Maximum value offered per item is RM10,000. 

The second optional rider is Worldwide Family Liability, which is protection against third party accidental bodily injury or accidental damage to property.

How much should I insure my home and valuable contents?

The rule 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.

With AXA Smart Home Optimum (Enhanced) you can choose between permanent and flexi plans for coverage options, which means you also have more options on how your premiums will work. Also, you are able to mix and match your coverage to include both Homeowner and Home Content coverage, but you will only have to pay one collective premium.

How much does AXA Smart Home Optimum (Enhanced) insurance cost?

Depending on the type of your residence (landed or flat / apartments), AXA Smart Home Optimum (Enhanced) charges a minimum annual premium of RM60, including a commission between 15% to 25% paid to the insurance agent.

Your home insurance premium will also be subject to a Stamp Duty of RM10.

Can I cancel my home insurance policy?

You are allowed to cancel your policy, on a condition that you inform AXA Affin General Insurance Berhad via a written notice prior to cancellation.

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