Tune Protect Home Easy

Protect your home with a comprehensive home insurance plan that protects your building and belongings against loss or damage due to perils such as fire, lightning, explosion, bursting pipes and robbery-related damages, and more.

Tune Protect Home EasyCoverage for building & home contents
Home Repairs
Rent Insurance
Death Benefits
TPD Benefits
Personal Liability


How much you can claim for Tune Protect Home Easy

Home PropertyTotal Amount Covered For Damages To The Building, Not Exceeding The Property Value.
RM100k - RM1.5mbased on sum insured selected and rebuilding cost by PIAM.
Home ContentsValue claimable for house contents if damaged is caused by any of the events covered.
RM25k - RM50kbased on selected plan.
House RepairsFor repairs to house property that are caused by events covered under this plan.
RM25k - RM50kbased on selected plan.
Rent InsuranceLandlord insurance if you cannot collect rent because the house is uninhabitable.
up to 10%maximum at least, of total sum insured. Optional benefit under the Landlord Insurance Pack.
Mortgage Instalment ProtectionAmount claimable on your home loan instalments if the house becomes uninhabitable.
As ChargedOptional benefit under the Mortgage Loan Protection Pack.
Electronic DevicesThis covers damage and loss of electronic devices for events covered under this plan.
As ChargedOptional benefit under Smart Home Devices Protection Pack.
House MirrorsCost to replace house mirrors that are damaged during any insured event.
As ChargedA coverage available under Householder (Building) and Home Contents.
Door Locks & WindowsFor charges to replace house doors, locks and windows due to damage.
As ChargedCaused by theft. Optional benefit included under Home Care Pack.
Domestic Help AllowanceAmount covered for paid help following a covered event.
As ChargedOptional benefit under Home Care Pack.
Death BenefitInsured amount for death of persons covered under this plan.
As Charged
Total & Permanent Disability BenefitInsured amount for total and permanent disability of persons covered under this plan.
As ChargedOptional benefit under the Mortgage Loan Protection Pack.
Personal LiabilityCoverage for damage or injuries to another person at your house i.e. third party insurance.
As ChargedComplimentary benefit with combined purchase of Building and Home Contents. You may purchase this as a standalone benefit by paying extra premium.

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
  • Bush Fire
  • Falling Trees And Branches

How to Claim

Who do I contact if I have a question or emergency?

Home Insurance Claim Hotline

You can make a claim at the comfort of your home and anywhere easily via Tune Protect mobile app or the website. Generally, making a claim involves these steps:

  • Submit your claim online together with your supporting documents via Tune Protect mobile app, or the website.
  • Your claim approval will take 14 days to process (kindly note that an adjuster may, or may not be assigned to your case).
  • Upon claim approval, an offer letter will be sent within 7 working days. Please do sign and return it.
  • Tune Protect will process your payment and you will receive your claim in 14 working days.

You may submit your claim online via:

Tune Protect mobile app

  • Click on your policy and select "Claim".
  • Fill in your details and select the claim you're making.
  • Upload all the necessary documents.

Tune Protect website

  • Log in to your account.
  • Go to your profile and select "Policies".
  • You'll find all your policies here, then click on "Claim". 
  • Fill in your details and select the claim you're making.
  • Upload all the necessary documents.

For more details on how to make a claim and the required documents for other specific benefits, kindly check out this starter kit.


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 100 years of age

More Information

Tell me more about Tune Protect Home Easy

Home Easy is a flexible home insurance plan that offers you the opportunity to customize your plan according to your needs. The plan is divided into 2 sections, HouseOwner and HouseHolder, and you can opt for either one or both.

HouseOwner provides coverage for your building structure (including garages, fixtures, walls, gates, and fences around the premises), whereas HouseHolder protects your household contents and personal belongings. You also have the option to add on additional benefits such as coverage for Riot, Strike, and Malicious Damage, Subsidence and Landslip, and Plate Glass.

You also have the option to choose from the 5 additional Top-Up packs below that provide specialized coverage, at an additional cost.

  1. Landlord Insurance Pack
  2. Mortgage Loan Protection Pack
  3. Home Care Pack
  4. Smart Home Devices Protection Pack
  5. Personal Liability*

*Personal Liability is offered for free if you purchase both HouseOwner and HouseHolder.

How much premium do I have to pay?

Tune Protect Home Easy is affordable, offering more than 40% in savings compared to the Malaysia home insurance tariff rate.

Your premium will depend on the sum insured amount. Additionally, you will also need to pay RM10 for Stamp Duty and a 6% Service Tax.

How much should I insure my home and valuable contents for?

You should 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 your house and replacing its contents.

However, the market value always consists of land value, hence you can always use Building Cost Calculator by PIAM (Persatuan Insurans AM Malaysia) as a guideline. Or if you have a bank loan, your bank will inform you of the minimum amount that you need to insure your property for.

What if I have an existing home insurance policy with the bank?

You can switch out from your current insurance policy easily at any time. Here are the 4 easy steps that you can quickly refer to:

1. Find your current insurance policy and check its expiry date.

2. Purchase Tune Protect Home Easy plan and ensure the sum insured is the same as your bank's policy.

3. Prepare these documents to be sent to the bank: (i) A self-arranged home insurance letter - sample here, (ii) Specify your mortgagee, and (iii) Your new Tune Protect Home Easy policy.

4. Wait for the bank to acknowledge your self-arranged Tune Protect Home Easy policy.

Tune Protect has a handy guide available with more information on this. You can check it out here.

Can I cancel my home insurance policy?

Yes, you may cancel your home insurance policy. However, prior to cancellation, you should notify Tune Protect Malaysia by way of a written notice. Upon cancellation, you will receive a partial refund of the premium provided you have not made any claims during the insurance period. You will also get a full refund if you are within the free look period.

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