Lonpac

Underwritten by Lonpac Insurance Berhad

Lonpac Householder Insurance

Give your home and family comprehensive protection against, fire, natural disasters and other mortal perils that can befall us at any given time. Have financial stability after the storm hits and you need to rebuild not just your home but your life as well.

    • Rent Insurance
    • Death Benefits

Get covered now with Lonpac Householder Insurance

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Coverage

How much you can claim for Lonpac Householder Insurance

  • Home Property
    The claims on your medical card cannot exceed this amount in a single policy year.
    Not Covered
  • Home Contents
    Value claimable for house contents if damaged is caused by any of the events covered.
    Not 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
    • Death Benefit
      Insured amount for death of persons covered under this plan.
      up to RM10000
View more coverage details +

Coverage Type

Events covered under your home insurance policy

Fire
Lightning
Thunderbolt
Flood
Subsidence & Land Slip
Water Tanks Or Pipes
Explosion
Impact Cover
Aircraft & Aerial
Subterranean Fire
Hurricane, Cyclone, Typhoon & Windstorm
Earthquake or Volcano
Theft
Riot Strike
BushFire
Falling Trees & Branches

How to Claim

To make your claims with Lonpac Insurance you will need to first notify them off the incident that caused the loss or damage you are reporting. Then you will need to compile an extensive list of documents to submit before your claims can be processed.

You will need to make a written notice and a description of the incident for processing. Request that Lonpac Insurance send you a Claims Form and attach both the notice and description to the claim form. On top of that you will need the following list of documents, especially for fire related claims;

  • Police report
  • Fire brigade report
  • Chemist report (if necessary)
  • Purchase and sales invoices, for necessary items you required.
  • Quotations for repairs and replacements

Compile all these documents along with your claim form, written notice, and a copy of your NRIC, for identification. Then either, mail, fax or deliver them to the nearest Lonpac branch for processing.

Home Insurance Claim Hotline
 +60322628666

Requirements

Am I eligible to apply for this insurance?

Frequently Asked Questions about Lonpac Householder Insurance

Things you might want to know

Should I buy a home insurance?

Imagine witnessing your properties and years of hard work being swept away by flood or burned to dust by fire or ransacked and robbed off in a split second…

Like a life insurance, home insurance ensures that you are compensated for the loss and damage due to those perils and more. Be prepared for the unexpected such as the monsoon season, sudden inferno and acts of criminal minds.

What are the key covers of Lonpac Householder Insurance?

Lonpac Householder Insurance covers for your household goods (moveable properties and personal effects) against specified risks.

You can insure most or all your personal belongings, subject to a limit from the total sum insured, to cover for the cost of recovering / reinstating at the time of loss or damage.

That’s not all, you can also claim for Public Liability for up to RM50,000 and claim for death of insured person up to RM10,000.

Can I add on benefits to my basic home insurance coverage?

Absolutely, over an additional premium to your standard coverage. Depending on your needs and budget, you can extend the coverage to include perils such as subsidence and landslip, riot strike and malicious damage, accidental damage to mirror and increase of limits to public liability and loss of rent.

How much premium do I have to pay?

Your home insurance premium will depend on the sum insured, additional extensions required and 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 underinsured 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 Lonpac 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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