RHB Insurance

Underwritten by RHB Insurance Berhad

RHB Houseowners/Householders Insurance

Protect both your house and home with a comprehensive insurance protection plan. Whether its your walls, or electrical appliances, your home and its contents are an investment that needs to be covered against threats.

    • Rent Insurance
    • Death Benefits

Get covered now with RHB Houseowners/Householders Insurance

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You are one step closer to getting your coverage with RHB Houseowners/Householders Insurance

Let us know you better so we can help you get the right amount of coverage.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to RHB Insurance website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.

Coverage

How much you can claim for RHB Houseowners/Householders Insurance

  • Home Property
    Total amount covered for damages to the building, not exceeding the property value.
    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
    • Extended Unoccupancy
      Extended cover for your home insurance if your house is left unoccupied for more than 60 days.
      As Charged of Total Sum Assured for excess of 90 days
    • House Mirrors
      Cost to replace house mirrors that are damaged during any insured event.
      up to RM500 per piece, excluding hand mirrors
    • Domestic Worker Property
      Value insured for property belonging to the domestic worker under your care.
      As Charged
    • Removal Of Property
      Cost to move property from your house due to events covered.
      up to 15 %of total sum insured on contents
    • Death Benefit
      Insured amount for death of persons covered under this plan.
      up to RM10000 of total sum insured. Whichever is less.
    • Public Liability
      Coverage for public claims due to damage or injuries caused by your house property.
      up to RM50000
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

Home Insurance Claim Hotline
 1300220007
RHB Insurance Customer Care Hotline
 60321803030

Requirements

Am I eligible to apply for this insurance?

Frequently Asked Questions about RHB Houseowners/Householders Insurance

Things you might want to know

A house is like a basket full of eggs – worthy of investment yet risky to some extents. You need a lid on top of the basket to protect your valuable assets from rain or shine. This is where RHB Insurance can help.

What does RHB Houseowners / Householders Insurance cover?

RHB Houseowners / Householders Insurance is a comprehensive insurance plan for your home that extends coverage to not only your building, but to your home contents and family members too.

RHB Insurance ensures that the cost of recovering your assets are taken care of over an annual premium. Besides, you can be relieved of the burden of paying rent during the reinstatement period of your property.

You will also have a choice to purchase the policy as a standalone, either to cover the building per se or just your home contents.

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

Absolutely, over an additional premium to your standard coverage. The extensions can be added from both policies or standalone.

For example, you can add subsidence and landslip peril (under the combined policies) at an affordable premium rate of 0.081% of the total sum insured. Again, additional benefits are contingent to the level of risks your house and contents are exposed to; and may increase your total annual premium.

Why should I get RHB home insurance plan?

RHB Insurance offers a flexible coverage that suits your budget and need. You can combine both houseowners and householders policies to get a more comprehensive coverage.

On top of that, you can also increase the coverage limit for additional perils. Plus, you and/or your family will receive a compensation for death due violent theft or fire in the house.

How much premium do I have to pay?

Your home insurance premium will depend on the type of policy selected, add-on coverage, as well as the type of building and construction material used, 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 RHB Insurance 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.

Read More