MSIG

Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG Houseowner/Householder

Don't take anything for granted, especially the safety of your house and home. Pick up this MSIG protection plan, and ensure everything from your doors, and windows to your stereo set have coverage, just in case.

    • Rent Insurance
    • Death Benefits
    • Personal Liability

Get covered now with MSIG Houseowner/Householder

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Coverage

How much you can claim for MSIG Houseowner/Householder

  • Home Property
    The claims on your medical card cannot exceed this amount in a single policy year.
    Flexi
  • Home Contents
    Value claimable for house contents if damaged is caused by any of the events covered.
    Flexi
  • 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 on Building and/or Contents
    • House Mirrors
      Cost to replace house mirrors that are damaged during any insured event.
      up to RM500 not including Hand Mirrors
    • Death Benefit
      Insured amount for death of persons covered under this plan.
      up to RM10000 of total sum insured. Whichever is less.
    • Personal Liability
      Coverage for damage or injuries to another person at your house i.e. third party insurance.
      up to RM50000 on building
    • Public Liability
      Coverage for public claims due to damage or injuries caused by your house property.
      up to RM50000 on building
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 a claim with MSIG you will first need to notify them of the incident that took place, they request that you make a written notice along with a completed Loss of Notification Form, which is similar to a claim form. You might need to be prepared for some questions regarding the claim and the situation. So have all your facts together, date, time, place, a brief description of the incident, how the loss was discovered and the involvement of third parties, if any.

You will also need to compile a list of documents, that need to be submitted along with your claims;

  • Copy of your NRIC
  • Police Report if any
  • Description of what is lost or damaged
  • Photo evidence of the loss or damage

Gather your documents and make your way to the nearest MSIG branch to make your claims.

Home Insurance Claim Hotline
 +60320508228

Requirements

Am I eligible to apply for this insurance?

Frequently Asked Questions about MSIG Houseowner/Householder

Things you might want to know

What is the MSIG Houseowner/Householer?

Fire, theft and armed robbery are just a few dangers that one faces when they have a home of their own. So protect this very valuable asset with a comprehensive home insurance plan that will ensure not only the safety of your home building but its contents as well.

How much coverage do I get?

Since this is a comprehensive 2-part plan, you will have two parts to your coverage as well. The first part being the Houseowner section. Houseowner will refer to the protection of your home building, whether it’s a house, flat, apartment, etc. This coverage extends to your fixtures, fittings, walls, gates and fences, and external garages in the vicinity of your home compound.

The second part of the protection is the section for Householder. A householder coverage refers to the protection of your home contents, personal effects that are found in the private dwelling place of your home. If you don’t live alone and have dependents, this coverage is also for their possessions.

Coverage provided is quite extensive and can be found in the list above. For the most part you will be covered against all regular perils, such as natural disasters, impact damage and theft. You will also have coverage for loss of rent with the limit of 10% of the total sum insured. In which case, your home is uninhabited by any renters for more than 90 days.

What other benefits do I get?

This MSIG protection comes with its Home Assist feature, free of charge. MSIG Home Assist is a feature that gives you 24-hour assistance for emergency maintenance, structural damage, water damage, restoration work, and even things like pest control.

So if you need a hand fixing some bulbs, clogged pipes and even if you just want help painting, you could always give Home Assist at 1 300 880 863. They offer reasonable charges and satisfaction guaranteed. You also won’t have to pay them cash up front. Any charges, will be billed directly to MSIG and charged to your monthly premiums.

How much premium should I pay?

Your premium amount is usually based on how much you intend to cover your home and its assets for. Minimum premiums start at RM60, then you will include the charges for additional protection and valuables.

Premiums calculated for MSIG’s Houseowner/Householder insurance is in accordance with the Revised Fire Tariff which is regulated by the General Insurance Association of Malaysia.

Can I cancel my policy?

Yes you can cancel this policy if you decide that you would rather not have it. To make a cancellation you will need to submit a written notice to MSIG. Please take note that depending on when you cancel and if you have not made any claims, you may receive a percentage of your premiums back.

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