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

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How much you can claim for AmAssurance Household Guard

  • 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.
  • 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
    • Cash Protection
      Cash value that is insured against lost for incidents covered under your plan.
      from RM up to RM1000
    • Jewellery & Valuables
      Amount covered for loss and damage to your jewellery and other personal valuables.
      up to 30 %
    • 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.
      from RM up to RM200 Optional Cover
    • Domestic Worker Property
      Value insured for property belonging to the domestic worker under your care.
      As Charged
    • Fire Department Charges
      For charges billed by the fire department that's covered under this plan.
      from RM up to RM5000 Optional Benefit
    • 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

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
 60322683333  1300803030


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.

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