Zurich Fire Insurance

Insure yourself and your home against the threat of Fire. Natural disasters aside, there is a higher chance of you losing your home and contents to fire than to a hurricane. So take the steps necessary to protect your home and loved ones against fire damage.

Zurich Fire Insurance
Home Repairs
Not Covered
Rent Insurance
Not Covered
Death Benefits
Not Covered
TPD Benefits
Not Covered
Personal Liability
Not Covered


How much you can claim for Zurich Fire 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.
Not Covered

Coverage Type

  • Fire
  • Lightning
  • Flood
  • Subsidence And Land Slip
  • Water Tanks Or Pipes
  • Explosion
  • Impact Cover
  • Aircraft And Aerial
  • Hurricane Cyclone Typhoon Windstorm
  • Earthquake Volcano
  • 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

To make your claims with Zurich Insurance you will need to first notify them off the incident that caused the loss or damage you are reporting. Then you will need to compile an extensive list of documents to submit before your claims can be processed.

You will need to make a written notice and a description of the incident for processing. Request that Zurich send you a Claims Form and attach both the notice and description to the claim form. On top of that you will need the following list of documents, especially for fire related claims;

  • Police report
  • Fire brigade report
  • Chemist report (if necessary)
  • Purchase and sales invoices, for necessary items you required.
  • Quotations for repairs and replacements

Compile all these documents along with your claim form, written notice, and a copy of your NRIC, for identification. Then either, mail, fax or deliver them to the nearest Zurich branch for processing. 


More Information

What is the Zurich Fire Insurance about?

Fire is one of the most dangerous elements known to mankind. As much as it is used to further enhance us. When uncontrolled it can be volatile. It is also a common occurrence for homes to be damaged by fire, either by a combusting gas tank, too much heat or by someone accidentally setting a fire in their backyard, by just playing with fireworks.

So protect your home against this peril and ensure that if you do suffer a loss of damage due to fire, you have something to fall back on.

What is covered under the Fire Insurance?

This cover will offer protection to both your house and home, in other words both the building and its contents will be covered under the policy. So depending on how much you insure your furniture and personal effects for, you will have a well-rounded fire coverage.

Can I add on any coverage?

Yes of course! Since this protection plan is specific to Fire damage, you can always extend the plan beyond that threshold. For an additional premium you can choose to extend you coverage to cover all the following sections;

  • Aircraft damage
  • Earthquake and volcanic eruption
  • Storm, tempest
  • Flood
  • Explosion
  • Impact damage
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Bush / lalang fire
  • Subsidence and landslip
  • Riot, strike and malicious damage
  • Damage by falling trees or branches and objects

Simply state your desire to have them and how much you want to insure your property for, and there you have it. More coverage.

How long am insured for?

This insurance policy is typically a yearlong plan. Which means that you need to renew the plan every year. If it at the renewal of your plan that you can make changes to your policy, and maybe add on some more coverage if you wanted.

How much premium do I have to pay?

Your premiums will depend on the amount you insure your home for. If you have a sum insured of less than RM10 million then your premiums will be calculated based on the Revised Fire Tariff. However, if your sum insured exceeds RM10 million then your premiums will be based on a computed self-rating structure provided by PIAM.

Following that, for homes insured for more than RM50 million then your premiums will be determined by the PIAM Technical Rating Committee.

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