CIMB Houseowners and Householders Takaful

Ensure the protection of both house and home with this dual coverage Takaful protection plan. Cover your house and all its contents, including all your cherished personal belongings from all kinds of unknown dangers and perils.

CIMB Houseowners and Householders Takaful
Home Repairs
Not Covered
Rent Insurance
Death Benefits
Not Covered
TPD Benefits
Not Covered
Personal Liability
Not Covered


How much you can claim for CIMB Houseowners and Householders Takaful

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.
Not Covered
Rent InsuranceLandlord insurance if you cannot collect rent because the house is uninhabitable.
up to 10%of the Sum Covered of the building
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
up to RM250kOptional Benefit

Coverage Type

  • Fire
  • Lightning
  • Thunderbolt
  • Flood
  • Subsidence And Land Slip
  • 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


More Information

Rain or shine, your house and personal belongings deserve adequate protection against untoward incidences that could be detrimental to your money and savings!

What is CIMB Houseowners and Householders Takaful about?

CIMB Houseowners and Householders Takaful is a Shariah-compliant home insurance plan based on the Wakalah contract, underwritten by Sun Life Malaysia Takaful Berhad, for your home protection needs.

Divided into 3 Sections: Home, Contents and Other Contingencies, this Islamic home insurance provides complete coverage for your buildings and the contents within.

What are the key covers of CIMB Houseowners and Householders Takaful?

You will be indemnified for loss and damage occurred to your house and its contents due to named perils, ranging from natural disasters to freak accidents and theft. You can find out more on the product disclosure sheet.

The duration for this home Takaful policy is 1 year and it is renewable.

How much premium do I have to pay?

Your total home Takaful contribution will depend on the sum insured, construction class of the property and additional covers.

The total home Takaful contribution is also subject to a Wakalah Fee of 60% of the annual contribution, which is inclusive of the 15% commission paid to the Takaful agent.

In addition, you will also need to pay for a Stamp Duty of RM10 and a 6% GST, where applicable. 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 Takaful 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 Takaful agent regarding this matter to avoid being underinsured or paying too much.

Can I cancel my home Takaful policy?

Yes, you may cancel your home Takaful policy. However, prior to cancellation, you should notify Sun Life Malaysia Takaful 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 coverage period.

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