AmGeneral

Underwritten by AmGeneral Insurance Berhad

AmAssurance Household Guard

Some things are just irreplaceable, but with a good home content protection plan in place, you can be assured that you will be compensated for the loss of prized possessions. With the Household Guard, you can be sure that your home contents will be protected against all manner of perils.

    • Rent Insurance
    • Personal Liability

Get covered now with AmAssurance Household Guard

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You are one step closer to getting your coverage with AmAssurance Household Guard

Let us know you better so we can help you get the right amount of coverage.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to AmGeneral website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.

Coverage

How much you can claim for AmAssurance Household Guard

  • Home Property
    The claims on your medical card cannot exceed this amount in a single policy year.
    Not Covered
  • Home Contents
    Value claimable for house contents if damaged is caused by any of the events covered.
    Flexi
  • 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.
    As Charged
    • House Mirrors
      Cost to replace house mirrors that are damaged during any insured event.
      As Charged
    • Domestic Worker Property
      Value insured for property belonging to the domestic worker under your care.
      As Charged
    • Removal Of Property
      Cost to move property from your house due to events covered.
      As Charged
    • Personal Liability
      Coverage for damage or injuries to another person at your house i.e. third party insurance.
      As Charged
    • Public Liability
      Coverage for public claims due to damage or injuries caused by your house property.
      As Charged
View more coverage details +

Coverage Type

Events covered under your home insurance policy

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

How to Claim

Home Insurance Claim Hotline
 322683333  1300803030

Requirements

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 AmAssurance Household Guard

Things you might want to know

Understand what risk is and where it comes from is essential for every homeowner. AmGeneral Insurance Berhad provides you with a comprehensive protection coverage with its home insurance plan.

What am I covered for with AmAssurance Household Guard?

AmAssurance Household Guard is a protection plan for contents residing inside and within your home premise.

Basically, most of your insurable home contents (including domestic worker’s property, if any) and personal belongings will be shielded for situations such as loss or damage due to natural strikes, criminal attempts and freak accidents.

That’s not all, you are also covered for Personal and Third Party’s Liability, just in case you or your family members or guests had an accident within your house compound.

What are the key features of AmAssurance Household Guard?

Knowing the types of covered perils is as crucial as that of the situations you are insured for. With AmAssurance Household Guard, your home contents and personal effects will be covered for loss and damage due to events such as:

  • Natural strikes: fire, lightning, thunderbolt, flood, earthquake etc
  • Freak accidents: impact, aircraft, explosion etc
  • Criminal attempts: theft, robbery and hold up, riot and strike etc

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 25% 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.

Bear in mind to avoid adding on unnecessary risks as it will increase your premium, which is renewable annually and potentially variable in pricing.

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 AmAssurance home insurance policy. However, prior to cancellation, you should notify AmGeneral Insurance 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.

Read More