Chubb My Home Insurance

Take care of your assets, with the Chubb My Home Insurance. For coverage beyond the building and protection for your most prized possessions, collectibles and even your most important devices.

Chubb My Home InsuranceAsset Coverage
Home Repairs
Covered
Rent Insurance
Covered
Death Benefits
Covered
TPD Benefits
Not Covered
Personal Liability
Not Covered

Coverage

How much you can claim for Chubb My Home Insurance

Home PropertyTotal Amount Covered For Damages To The Building, Not Exceeding The Property Value.
FlexiMax up to property sum assured amount
Home ContentsValue claimable for house contents if damaged is caused by any of the events covered.
Flexi
House RepairsFor repairs to house property that are caused by events covered under this plan.
As Chargedup to total sum assured.
Rent InsuranceLandlord insurance if you cannot collect rent because the house is uninhabitable.
up to 10%of total sum assured
House MirrorsCost to replace house mirrors that are damaged during any insured event.
up to RM500per piece per occurrence
Domestic Worker PropertyValue insured for property belonging to the domestic worker under your care.
As Chargedup to contents sum insured
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 RM100k
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
up to RM500k

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

Requirements

More Information

Unsure of what is the right insurance plan for your home and contents? Chubb can help you tailor your own policy via MY Home Insurance plan.

What is Chubb MY Home Insurance is about?

Chubb MY Home Insurance provides a comprehensive solution to your home protection that is divided into 4 sections:

  • Section A: Houseowner and/or Householder
  • Section B: Personal Liability
  • Section C: Accidental Death
  • Section D: Personal Valuables

What are the key covers of Chubb MY Home Insurance?

Chubb MY Home Insurance plan offers basic coverage under Section A: Houseowner and/or Householder against all perils named in the insurance policy wording.

Situations that can lead to loss and damages to your building and content such as fire, explosion, flood, impact and theft among others can be indemnified under Houseowner and/or Householder.

You can choose whether to insure just the building or home contents per se or combine both policies to get maximum coverage.

That’s not all, you can also claim for Public Liability for up to RM250,000, Accidental Death for up to RM100,000 and Loss of Rent of up to 10% of the total sum insured.

Can I add on benefits to MY Home Insurance plan?

You can always extend your coverage to include, Subsidence & Land Slip, Riot, Strike, Bush Fire, Falling Trees and Branches with additional premiums.

If you want to limit spending on external insurance policies, be it a personal accident or third party liability, you can extend your benefits to include Section B and Section C.

Or, if you like to collect valuable items like arts, jewellery, vintage home-ware etc, you can insure them under Section D.

How much premium do I have to pay?

Your home insurance premium will depend on the sum insured, additional extensions required and the Sections selected, including a commission between 15% to 25% paid to the insurance 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 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 under-insured 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 Chubb Insurance 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.