Allianz HouseOwner & Householder Insurance

A Home Insurance policy for houseowners and tenants - cover your building and contents against named perils at affordable premium. Extend your coverage as and when needed, with policy renewable every year.

Allianz HouseOwner & Householder Insurance
Home Repairs
Rent Insurance
Death Benefits
TPD Benefits
Not Covered
Personal Liability
Not Covered


How much you can claim for Allianz HouseOwner & Householder Insurance

Home PropertyTotal Amount Covered For Damages To The Building, Not Exceeding The Property Value.
Home ContentsValue claimable for house contents if damaged is caused by any of the events covered.
House RepairsFor repairs to house property that are caused by events covered under this plan.
As ChargedOptional Benefit
Rent InsuranceLandlord insurance if you cannot collect rent because the house is uninhabitable.
up to 10%of total sum insured
Extended UnoccupancyExtended cover for your home insurance if your house is left unoccupied for more than 60 days.
As ChargedOptional Benefit
House MirrorsCost to replace house mirrors that are damaged during any insured event.
up to RM500for any one occurrence
Domestic Worker PropertyValue insured for property belonging to the domestic worker under your care.
As Charged
Removal Of PropertyCost to move property from your house due to events covered.
up to 15%of total sum insured
Death BenefitInsured amount for death of persons covered under this plan.
up to RM10k
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
up to RM50kfor any one occurrence

Coverage Type

  • Fire
  • Lightning
  • Thunderbolt
  • Flood
  • Water Tanks Or Pipes
  • Explosion
  • Impact Cover
  • Aircraft And Aerial
  • Subterranean Fire
  • Hurricane Cyclone Typhoon Windstorm
  • Earthquake Volcano
  • Theft

How to Claim

Who do I contact if I have a question or emergency?

Home Insurance Claim Hotline

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.


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

More Information

Fire, burglary and kitchen gas explosion are among common risks your house and home contents are exposed to every day. Although you may not able to completely escape from these perils, you can take necessary precautions to mitigate the aftermath.

Why do I need Allianz HouseOwner & HouseHolder Insurance?

Basically, having a home insurance policy allows you to transfer the risk of financial hardship after your property had come into contact with adversities.

Recovery may take months and years; and usually costs a greater deal than a savings fund can afford. When you claim for a home insurance, the proceeds will be your lifeline. This is where Allianz HouseOwner & HouseHolder Insurance came to the rescue.

What does Allianz HouseOwner & HouseHolder Insurance cover?

First, you can select whether to cover only your building (including the walls, roof, fixtures and fittings, garages, gates and fences) via Houseowner Insurance and/or your home contents and personal effects via Householder Insurance.

All properties insured HouseOwner & HouseHolder Insurance plans will be covered against named perils arising from natural disasters, theft and freak accidents, however subject to a limit.

Can I add on benefits to my HouseOwner & HouseHolder Insurance plan?

Additional benefits are there for its intended purpose. You may want to rent out or renovate your house, but make sure to properly insure your building.

You can always be flexible with your home insurance plan, depending on your current needs and budget. It is encouraged to avoid adding on unnecessary risks as it 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.

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