AXA Affin

Underwritten by AXA Affin General Insurance Berhad

AXA SmartHome Optimum

Optimize the protection of your house and valuable contents with a smart and flexible home insurance plan by AXA Affin.

    • Rent Insurance
    • Personal Liability
View product disclosure sheet.


How much you can claim for AXA SmartHome Optimum

  • Home Property
    Total amount covered for damages to the building, not exceeding the property value.
  • Home Contents
    Value claimable for house contents if damaged is caused by any of the events covered.
  • 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.
    up to 10 %of building insured
    • House Mirrors
      Cost to replace house mirrors that are damaged during any insured event.
      As Charged
    • Door Locks
      For charges to replace house doors and locks due to damage.
      up to RM500
    • Domestic Worker Property
      Value insured for property belonging to the domestic worker under your care.
      As Charged
    • Refrigerator Contents
      For the cost to replace damaged contents in the refrigerator.
      up to RM250
    • Removal Of Property
      Cost to move property from your house due to events covered.
      up to 15 %of total value of contents
    • Personal Liability
      Coverage for damage or injuries to another person at your house i.e. third party insurance.
      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
 60321728282 (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

Things you might want to know

Regardless for dwelling or rental income, buying a house is one of the biggest investments one can make; and usually comes with high risk. But do you know that you can insure your house and the contents within your property?

What is AXA Smart Home Optimum?

AXA Smart Home Optimum, 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 key benefits under this home insurance plan?

The main coverage of AXA Smart Home Optimum is compensation for loss and damage to your house and contents due to fire, lightning, explosions, burst pipe, aircraft, impact by vehicles or animals, theft by forcible and violent entry, windstorm, earthquake and flood.

AXA Smart Home Optimum does not only indemnify you for aforementioned events, but also instances such as loss of rent, third party liability, domestic worker's property, fatal injury due to violence caused by theft, damage to mirrors and temporary property removal.

Can I include other perils to my home insurance plan?

Yes you may extend your coverage by paying additional premium to these following risks:

  • Subsidence, landslip, riot, strike and malicious damage
  • Bush fire, damage by falling trees and branches or objects
  • Hurricane, cyclone, typhoon, windstorm to metal smoke stacks, awnings, blinds, signs and other outdoor fixtures and fittings
  • Home repairs, alterations and additions
  • Extended theft cover
  • Increased limit of third party liability

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.

How much does AXA Smart Home Optimum insurance cost?

The yearly insurance premium charged follows the standard minimum rate in accordance with the Malaysia Fire Insurance Tariff. 

Depending on the type of your residence (landed or flat / apartments), AXA Smart Home Optimum 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 and a 6% GST.

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. That's not all, you are also entitled to a refund of the premium based on short period rates.

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