Maybank Houseowner/Householder

Cover all your bases, and be prepared for every peril. It's better to be safe than sorry, so pick up this protection plan to ensure both your house and home are covered from the smallest tile to that dining room set you took years to find.

Maybank Houseowner/Householder
Home Repairs
Not Covered
Rent Insurance
Death Benefits
TPD Benefits
Not Covered
Personal Liability
Not Covered


How much you can claim for Maybank Houseowner/Householder

Home PropertyTotal Amount Covered For Damages To The Building, Not Exceeding The Property Value.
up to RM5m
Home ContentsValue claimable for house contents if damaged is caused by any of the events covered.
up to RM5m
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.
RM -Optional Benefit
House MirrorsCost to replace house mirrors that are damaged during any insured event.
up to RM500per piece, excluding hand mirrors
Domestic Worker PropertyValue insured for property belonging to the domestic worker under your care.
As ChargedIn the case of Content Insurance
Death BenefitInsured amount for death of persons covered under this plan.
up to RM10kof total sum insured. Whichever is less.
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
RM50k - RM250kflexible limit options

Coverage Type

  • Fire
  • Lightning
  • Thunderbolt
  • 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


More Information

Do I need a home insurance?

We constantly hear and read unfortunate news of house break-ins or natural disasters such as landslide and flood affecting homeowners and their households. While it may have not occurred to us yet, prevention is always better than recovery.

What are the benefits of Maybank Houseowner / Householder?

Maybank is giving the flexibility to homeowners and home renters to choose the right kind of coverage via Houseowner / Householder home insurance plan.

Underwritten by Etiqa Insurance Berhad, Maybank Houseowner / Householder covers you against loss and damage to your house or its contents due to natural disasters, theft and many more for up to RM5 million.

The best part of this home insurance plan is that you can combine both policies for a more comprehensive coverage.

Can I add on benefits and coverage to my home insurance plan?

Yes you do, but over an additional premium. For instance, you can add subsidence and landslip peril if you reside in an area prone to natural disaster; or if your house is unfortunately located near a space where public sit-in takes place, you can add riot, strike and malicious damage peril to your basic cover.

How much premium do I have to pay?

Your home insurance premium, payable annually, will depend on the total sum insured and additional benefits selected, including 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 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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