Underwritten by Allianz GeneraI Insurance Company (Malaysia) Berhad

Allianz Home Shield

Shield your home contents and personal effects from loss and damage due to fire and theft with Allianz. Ensure peace of mind with 96 hours claims settlement with Allianz Xpress Claims

    • Death Benefits
View product disclosure sheet.


How much you can claim for Allianz Home Shield

  • Home Property
    Total amount covered for damages to the building, not exceeding the property value.
    Not Covered
  • Home Contents
    Value claimable for house contents if damaged is caused by any of the events covered.
    from RM10000 up to RM20000 based on selected plan
  • 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
    • Door Locks & Windows
      For charges to replace house doors, locks and windows due to damage.
      As Charged Optional Benefit
    • Meal & Hospital Allowance
      Cash amount that you can claim for meals and hotels if the house becomes uninhabitable.
      As Charged Optional Benefit
    • Domestic Help Allowance
      Amount covered for paid help following a covered event.
      As Charged Optional Benefit
    • Death Benefit
      Insured amount for death of persons covered under this plan.
      As Charged Optional Benefit
    • Public Liability
      Coverage for public claims due to damage or injuries caused by your house property.
      As Charged Optional Benefit
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

When you go to make your claims with Allianz, remember to bring along this following list of documents. First of all you will need to have your claim form handy, have your agent or customer service representative send it to you via email or fax.

In the case of home coverage, you will need;

  • Fire Brigade Report (In case of a Fire)
  • Police report
  • Purchase Invoices
  • Quotations for repairs/ replacements
  • Completed Claim Form
  • Copy of Identity Card for individual or copy of business registration certificate for company

Once you have all these documents with you along with a detailed description of what incident took place, you will need to also include pictures for the purpose of evidence. Compile what you have and send it off for processing, either at a branch or send them off with your insurance agent.

Home Insurance Claim Hotline


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 Allianz Home Shield

Things you might want to know

Becoming a victim of burglary or fire is not a choice, but prevention is. With Allianz Home Shield, your household contents and personal effects will be guarded against these perils.

What do I need to know about Allianz Home Shield?

Allianz Home Shield is a home insurance plan that protects your household contents and personal effects from loss and damage due to fire* and theft.

Whether you are a houseowner or tenant, Allianz Home Shield offers to compensate for loss and damages on your insured Household Contents for up to RM20,000; and a maximum of RM4,000 for Personal Effects.

What are the key benefits of Allianz Home Shield?

As this is a Household Contents insurance, only your properties are insured under this plan. There are two main perils covered under this Home Shield: Fire* and theft (accompanied by forcible and violent entry).

In extension to that, your personal effects (designer watches, jewellery etc) can also be insured from loss and damage under this home insurance.

Can I add on coverage to my Home Shield insurance plan?

Additional benefits are there for its intended purpose, and usually payable over an extra premium.

Let’s say you want to hire a cleaning service after your house got wrecked by fire or burglary, Allianz Home Shield can cover the cost of hiring domestic workers for this purpose.

However, you should always exercise prudent as adding on unnecessary risks will increase your premium, which is potentially variable in pricing every year.

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 of 15% 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 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.

Always check with your insurance agent regarding this matter to avoid being underinsured or paying too much.

Can I cancel my home insurance policy?

Yes, you may cancel your home insurance policy. However, prior to cancellation, you should notify Allianz General Insurance Company (Malaysia) Berhad 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.

all events under named perils including lightning, explosion, impact cover, flood, burst water pipe etc

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