Takaful 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.

Takaful myHouseowners & Householders
Home Repairs
Not Covered
Rent Insurance
Death Benefits
Not Covered
TPD Benefits
Not Covered
Personal Liability
Not Covered


How much you can claim for Takaful myHouseowners & Householders

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%Optional Benefit
Public LiabilityCoverage for public claims due to damage or injuries caused by your house property.
up to RM250k

Coverage Type

  • Fire
  • Lightning
  • Thunderbolt
  • Flood
  • Subsidence And Land Slip
  • Water Tanks Or Pipes
  • Explosion
  • Impact Cover
  • Aircraft And Aerial
  • 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

In the case of an unfortunate event that causes your home to be damaged, any protection offered by Takaful myFire will allow for you to make claims from Takaful Malaysia.

  • Firstly, inform Takaful Malaysia of the incident in question, as soon as possible.
  • Then you can download the claim from here.
  • Make sure you have all the required documentation with you, based on your claim type. You can call Takaful Malaysia's claim hotline for more clarification on the documents you might need.
  • Once completed, submit the form and all supporting documents to the the nearest Takaful Malaysia branch.


Minimum Entry Age
At least 21 years of age

More Information

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 'cash back' on your premiums paid. Which is just another reason to put your trust in a good takaful protection plan.

*Cashback is subject to Takaful Malaysia's financial performance, applicable tax and service fee deductions and that no claims are incurred during the coverage period.

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