Allianz Smart Home Cover

Be smart and flexible with your coverage according to your needs and budget. Extend your home insurance coverage to insure your mortgage payment, home repair costs and legal costs due to malicious damage by tenants over additional premiums.

Allianz Smart Home Cover
Home Repairs
Rent Insurance
Death Benefits
TPD Benefits
Personal Liability
Not Covered


How much you can claim for Allianz Smart Home Cover

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.
up to RM80Optional Benefit
Rent InsuranceLandlord insurance if you cannot collect rent because the house is uninhabitable.
up to 10%of total sum insured
Mortgage Instalment ProtectionAmount claimable on your home loan instalments if the house becomes uninhabitable.
As ChargedOptional Benefit
Extended UnoccupancyExtended cover for your home insurance if your house is left unoccupied for more than 60 days.
up to RM30kOptional Benefit
Legal DocumentsCost covered to replace legal documents that are lost and damaged.
As Charged
House ValuablesInsured amount for select house valuables that are covered under your plan.
As Charged
Domestic Help AllowanceAmount covered for paid help following a covered event.
up to RM300
Death BenefitInsured amount for death of persons covered under this plan.
up to RM30k
Total & Permanent Disability BenefitInsured amount for total and permanent disability of persons covered under this plan.
up to RM30k
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
up to RM50k

Coverage Type

  • Fire
  • Lightning
  • Flood
  • Water Tanks Or Pipes
  • Explosion
  • Impact Cover
  • Aircraft And Aerial
  • 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


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

More Information

Regardless who you are: homeowner, landlord or tenants, a home is more than just a costly investment. Safeguarding your home is a top priority; however, with cost of living ever rising, it is important to be smart in choosing the right home insurance plan.

What does Allianz Smart Home Cover consist of?

Smart Home Cover by Allianz GeneraI Insurance Company (Malaysia) Berhad is a new kind of home insurance plan where you can tailor make your own home insurance coverage.

Divided into 5 components, Smart Home Cover allows the flexibility for you to choose which coverages that can go along with your basic benefit, depending on your needs and budget.

What are the key features of Allianz Smart Home Cover?

First, you select one basis of coverage (Houseowner and/or Householder) to begin with Smart Home Cover. Each Section provides unique cover:

Section 1: Houseowner – covers loss and damage only to your building against named perils

Section 2: Householder – covers loss and damage only to your home contents against named perils

Then, you can extend the coverage, over additional premiums, to include optional benefits such as:

Section 3: Mortgage Loan Instalment Plan

Section 4: HomeFix

Section 5: Landlord Insurance

Always remember to avoid adding on unnecessary risks as it will increase your premium, which is potentially variable in pricing every year.

Why should I get Smart Home Cover by Allianz, again?

Smart Home Cover allows you to design your own home insurance coverage that suits your budget and needs. Specifically, you can choose to insure your property based on Agreed Value (via Allianz built-in sum insured calculator) or Market Value (your own estimation).

That’s not all, Smart Home Cover offers an extensive range of coverage to meet the needs of different customers (houseowner, landlord or tenant). To top it off, you can also receive a discount of up to 30% on Houseowner premium, subject to terms and conditions.

Okay…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 Smart Home Cover 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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