Takaful Malaysia

Underwritten by Takaful Malaysia Berhad

Takaful Malaysia myHouseowners & Householders

Protect your home against all perils with this comprehensive protection plan by Takaful Malaysia. Insure your house and its contents against, fire, natural disasters and even theft with. Give yourself some peace of mind that whatever the situation Takaful Malaysia has you covered.

    • Rent Insurance

Get covered now with Takaful Malaysia myHouseowners & Householders

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Coverage

How much you can claim for Takaful Malaysia myHouseowners & Householders

  • 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 %Optional Benefit
    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

    There are several things you need to take note of in order to successfully make a claim with Takaful Malaysia. Firstly, remember to notify the insurance company at the earliest possible moment of an incident that warrants a claim. Download or have Takaful Malaysia email you a claim form to fill in. Print this form and attach it to any necessary identification documents and reports that you may or may not collect in the process of putting your home back in order.

    If your home was struck by a peril resulting in fire or a similar result, remember to make a full report with the fire brigade and collect a copy of this report to include with your claim forms. Similarly, if you have experienced a theft, make a police report and ask for a copy to include with your claim form. However, if the damage is not too bad, you may not need either of these reports.

    Take pictures of the damage or loss of your property, depending on the severity of the damage, Takaful Malaysia will either recommend or appoint adjusters to assess the situation. They will also be able to give you estimates on how much you will need to claim, and how much you will need to spend on repairs.

    Photographs taken, or witness reports, will also be used to confirm the cause of the damage.

    For further information, you could always contact Takaful Malaysia customer support team whenever you need.

    Home Insurance Claim Hotline
     130088252385

    Requirements

    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 21 years of age

    Frequently Asked Questions about Takaful Malaysia myHouseowners & Householders

    Things you might want to know

    What is the myHouseowners & Householders?

    This home insurance plan is a comprehensive takaful protection provided by Takaful Malaysia. With this plan you can protect both your home building and all your contents with extensive covers against fires, natural disasters and even potential freak accidents.

    A comprehensive protection plan like this will cover both types of the two major insurance options for home. The first part being houseowners insurance, that usually focus on the protection of your building. The building will usually consist of walls, stables, garages, out-buildings and etc.as long as they share the same premise as the home itself.

    The second part is, householder’s insurance which includes, goods, personal effects, or objects for all intents and purposes consists as property of the participant or someone living in their home. This section of the cover will also include protection for the property of domestic helpers.

    What am I covered against?

    As mentioned, with a comprehensive protection plan, you will be covered for more that the just the usual perils. You will have coverage for of course, Fire, Lightning, Thunderbolt, Explosions, Air Craft or Impact Damage. Domestic issues like the bursting of water tanks and pipes is also covered, along with theft, flood and wind related disasters.

    There is also an extended coverage option that you can look into if you need these benefits. For the homeowner who is also a landlord renting out a property, you can pick up an additional, loss of rent cover. Also, if you live in what can be considered a high-risk area, or you just want to have boosted protection plan, you can pick a public liability cover.

    Can I pay for more coverage than this?

    Yes, you can choose to pick up even more coverage with a little extra premium. Since home insurance plans are flexible and sometimes are entirely based on how much you want to insure you home for. Therefore, with an additional contribution you can choose to get a cover against, Riot, Strike or Malicious Damage; cover for subsidence and landslips, or simply increase your public liability cover limit.

    Of course, you won’t need to choose just one of those options, you can actually pick them all up.

    How does the coverage work on items?

    There are two ways for you to insure your home and contents, that is either with a reinstatement option or a replacement option. Both will have different outcomes when you go to make your insurance claims. With a reinstatement options, you will need to cover the item based on the equivalent value of the brand-new items.

    With a replacement cover, the coverage will be set, equivalent to the depreciated value of lost or damaged items.

    Remember to only buy what you need and not to over insure your home. The possibility of you losing more than you gain is always the case on an over insured home.

    Can I cancel my policy?

    Yes, if you’d like to cancel your policy at any given time, simply provide a written notice to Takaful Malaysia beforehand and you’re done. If no claims had been made before your cancellation then you will be partially refunded for any claims made.

    More perks!

    Takaful Malaysia is the first Takaful insurance provider that wants to give back to you. So bear in mind, that if no claims are made in the duration of the policy term, then they will with reward you with 15% cash back on your premiums paid. Which is just another reason to put your trust in a good takaful protection plan.

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