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.

Etiqa Houseowner and Householder 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 Etiqa Houseowner and Householder 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 total sum insured
Extended UnoccupancyExtended cover for your home insurance if your house is left unoccupied for more than 60 days.
As ChargedOptional Benefit
House MirrorsCost to replace house mirrors that are damaged during any insured event.
up to RM500
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
up to RM250k

Coverage Type

  • Fire
  • Lightning
  • Flood
  • Water Tanks Or Pipes
  • Explosion
  • Hurricane Cyclone Typhoon Windstorm
  • Theft
  • Riot Strike

How to Claim

Who do I contact if I have a question or emergency?

Home Insurance Claim Hotline


Minimum Entry Age
At least 18 years of age

More Information

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.

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