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.

Lonpac Householder InsuranceHome Protection
Home Repairs
Not Covered
Rent Insurance
Covered
Death Benefits
Covered
TPD Benefits
Not Covered
Personal Liability
Not Covered

Coverage

How much you can claim for Lonpac Householder Insurance

Home PropertyTotal Amount Covered For Damages To The Building, Not Exceeding The Property Value.
Not Covered
Home ContentsValue claimable for house contents if damaged is caused by any of the events covered.
Not 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
Death BenefitInsured amount for death of persons covered under this plan.
up to RM10k
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
up to RM250kincreased limit as Optional Cover

Coverage Type

  • Fire
  • Lightning
  • Flood
  • Water Tanks Or Pipes
  • Explosion
  • Impact Cover
  • Aircraft And Aerial
  • Hurricane Cyclone Typhoon Windstorm
  • Earthquake Volcano
  • Theft
  • Riot Strike

How to Claim

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

Home Insurance Claim Hotline

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.

Requirements

More Information

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.