Underwritten by Zurich Insurance Malaysia Berhad

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.

    Get covered now with Zurich Fire Insurance

    RinggitPlus will help you every step of the way.

    By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

    You are one step closer to getting your coverage with Zurich Fire Insurance

    Let us know you better so we can help you get the right amount of coverage.
    Confirm your application

    Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

    Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

    Please fill in all fields and enter a valid email

    Thank you for applying with RinggitPlus!

    We’ve sent you an email to help with your application.

    Continue to Zurich website

    If you have any questions let us know at [email protected], we'd love to help!

    Follow us to keep in touch and not miss out on offers and promotions.

    View product disclosure sheet.


    How much you can claim for Zurich Fire Insurance

    • Home Property
      Total amount covered for damages to the building, not exceeding the property value.
    • Home Contents
      Value claimable for house contents if damaged is caused by any of the events covered.
    • 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.
      Not Covered
      View more coverage details +

      Coverage Type

      Events covered under your home insurance policy

      Subsidence & Land Slip
      Water Tanks Or Pipes
      Impact Cover
      Aircraft & Aerial
      Subterranean Fire
      Hurricane, Cyclone, Typhoon & Windstorm
      Earthquake or Volcano
      Riot Strike
      Falling Trees & Branches

      How to Claim

      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. 

      Home Insurance Claim Hotline


      Am I eligible to apply for this insurance?

      Frequently Asked Questions about Zurich Fire Insurance

      Things you might want to know

      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.

      Read More