Kurnia Houseowner & Householder Insurance

There are several things you need to take note of in order to successfully make a claim with Kurnia Insurance. Firstly, remember to notify the insurance company at the earliest possible moment of an incident that warrants a claim. Download or have Kurnia email you a claim form to fill in. 

Print this form and attach it to any necessary identification documents and reports that you may or may not collect in the process of putting your home back in order.

Some of the general documents that you need are:

• Your NRIC copies for identification
• Copy of your Home Grant
• Copy of your Insurance Agreement
• Photo evidence of the damage caused
• Witness Statements to corroborate the incident
• and a Written description of the incident that occurred.

Once you have all of these together, simply pack it up and send it on to Kurnia Insurance to activate your claims and funds to begin rebuilding your life.

What is this Houseowner & Householder Insurance?

Protection of your house and its content is not limited to the walls around it, you also need to protect the things within that you took years to collect and pay off. With dual coverage insurance like this one, you get to protect both your house and home content.

What exactly does this policy cover?

Well, the coverage comes in two parts. The first is your Houseowner coverage, which will essentially protect your building and property exterior. 

The second part of the coverage is your Householder coverage which will protect your home contents against perils that can affect both the inside and the outside of your home.

Houseowner Coverage

For this section of this insurance plan, your home building will be covered against the following perils:

• Fire, lightning, thunderbolts, subterranean fire and explosions caused by gas used for domestic purposes;
• Aircraft and other aerial devices dropped therefrom, the impact of road vehicles or animals, bursting or overflowing of water tanks or pipes, theft, hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption, and flood;
• Loss of rent; and
• Liability to the Public up to RM50,000

If you would like to extend your coverage, then you have several optional benefits at your disposal, with a little extra premium. Some of those options include covers for:

• Subsidence and landslip;
• Riot, strike and malicious damage;
• Liability to third parties for accidents in your house (above RM50,000);
• Loss or damage by hurricane, cyclone, typhoon or windstorm to metal smoke stacks, awnings, blinds, signs and outdoor fixtures and fittings including gates and fences;
• Alterations, repairs and additions;
• Plate glass damage; and
• Landlord’s household goods and furnishings in blocks of flats

Householder coverage

Moving on to the next part of your coverage, the householder section will offer your home contents, such as furniture, electronic appliances, antiques, paintings and other personal effects protection against similar perils to those stated above with a few exceptions.

The exceptions are you will also have the following benefits for coverage as well:

• Contents temporarily removed – 15% of the Total Sum Insured on contents
• Breakage to mirrors – RM500 per piece per accident
• Compensation for death occurring by visible violence caused by thieves or by fire
• Along with protection for the servant’s property

Another thing you get to do is, just like with Houseowner, you can extend your content coverage with more premiums. You can protect your contents from subsidence and landslips, riots, strikes, malicious damage, and even theft.

How much premium do I have to pay?

The premium amount for your home insurance relies heavily on how much you insure your home and its contents. It will be calculated separately for both parts of your policy and then added together with a GST for a final premium value.

What if I want to cancel my policy?

You can proceed to cancel this insurance policy after you have written an advance notice to Kurnia requesting the cancellation. If there have been no claims made in the duration of having the policy then a percentage of the premiums will be refunded to you.

Check out the following documents for more details:

• Houseowner Product Disclosure Sheet
• Householder Product Disclosure Sheet
• Houseowner/Householder Policy Wording