Underwritten by Etiqa Insurance Berhad

Etiqa Houseowner and Householder Takaful

Cover your home against all kinds of perils with a comprehensive dual care insurance protection plan. This Etiqa protection that extends to both Houseowner and Householder, will ensure you are covered in the case of a natural disaster or peril as well as in the case of a robbery.

    • Rent Insurance

Get covered now with Etiqa Houseowner and Householder Takaful

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. 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 Etiqa Houseowner and Householder Takaful

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.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

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 Etiqa website

If you have any questions let us know at [email protected], we'd love to help!

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

View product disclosure sheet.


How much you can claim for Etiqa Houseowner and Householder Takaful

  • Home Property
    Total amount covered for damages to the building, not exceeding the property value.
  • 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.
    up to 10 %of total sum insured
    • Extended Unoccupancy
      Extended cover for your home insurance if your house is left unoccupied for more than 60 days.
      As Charged Optional Benefit
    • House Mirrors
      Cost to replace house mirrors that are damaged during any insured event.
      from RM up to RM500
    • Public Liability
      Coverage for public claims due to damage or injuries caused by your house property.
      from RM up to RM250000
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
Etiqa Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 18 years of age

Frequently Asked Questions about Etiqa Houseowner and Householder Takaful

Things you might want to know

A house is not just an asset, but a safe haven too. Reside with peace of mind and soul with a Shariah compliant home insurance plan by Etiqa Insurance Berhad.

Do I need Etiqa Houseowner and Householder Takaful?

Etiqa Houseowner and Householder Takaful follows the Islamic concept of Wakalah, whereby you appoint Etiqa as an agent to manage your Takaful policy and investment, in exchange for a fee.

Whether or not you are a faith-abiding individual, this Islamic home insurance plan does not only cover you financially in time of duress, but also ensures that your fund is managed ethically. Plus, you get to perform charity and receive one too under Tabarru’ concept.

What are the key covers of Houseowner and Householder Takaful?

There are two similar, but somewhat unique, home Takaful covers: Houseowner and Householder.

Under Houseowner, your building (the infrastructure of your house) will be insured against loss and damage due to perils such as fire, flood, and impact among others. You are also covered for third party liability of up to RM50,000 for accident occurred in your house.

Your personal belongings, under the Householder section, will not only get the same coverage from the named perils above, but will also cover for extended circumstances such as property removal, death due to robbery, loss and damage to servant’s properties and damage to mirror.

Can I add on benefits to complement my basic coverage?

Yes you may, by paying additional premiums. You may want to increase the limit of loss of rent to 10% if you plan to sublet your house for rental income, or include other perils such as strike, riot and malicious damage, in case you live in a precarious area.

How much premium do I have to pay?

Your premium, or contributions, will depend on the sum insured and selected additional perils, including a Wakalah Fee of up to 40%, comprising an agent commission of 15% and management expenses of up to 25%.

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 Etiqa 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