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.

RHB Houseowners/Householders Insurance
Home Repairs
Not Covered
Rent Insurance
Death Benefits
TPD Benefits
Not Covered
Personal Liability
Not Covered


How much you can claim for RHB Houseowners/Householders Insurance

Home PropertyTotal Amount Covered For Damages To The Building, Not Exceeding The Property Value.
Home ContentsValue claimable for house contents if damaged is caused by any of the events 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 on Building and/or Contents
Extended UnoccupancyExtended cover for your home insurance if your house is left unoccupied for more than 60 days.
As Chargedof Total Sum Assured for excess of 90 days
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 Charged
Removal Of PropertyCost to move property from your house due to events covered.
up to 15%of total sum insured on contents
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.
up to RM50k

Coverage Type

  • Fire
  • Lightning
  • Thunderbolt
  • Flood
  • Subsidence And Land Slip
  • Water Tanks Or Pipes
  • Explosion
  • Impact Cover
  • Subterranean Fire
  • 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
RHB Insurance


More Information

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.

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