What is this Zurich Houseowner and Householder?
Everyone needs protection from something and there are somethings that you just need to protect as well. Assets are named as such for a reason, usually because they are made to benefit someone or it was something incredibly difficult to acquire. Your house and home fall into this category and need to be protected against all perils.
How much protection do I get?
With this comprehensive dual plan, you will get protection in two parts, for your home building and the contents separately. Building protection will include coverage for your doors, and walls, windows and garages, basically the building exterior and other buildings in the vicinity of your property.
Contents coverage, will be protection for household goods and personal effects. Such as, your furniture, electrical appliances, gadgets and kitchen appliances. It is up to you what you want to insure and how much you want to insure it for.
This policy offers protection against several perils and natural disasters including flood, hurricanes and explosions, refer to the list provided for the full schematics. However, you can choose to extend your coverage to protect you more.
Some optional covers include;
- Property temporarily removed
- Damage to mirrors
- Compensation for death of the Insured - RM 10,000 or one half of total sum insured on contents, whichever is less
- Servants' property
- Rent Insurance: 10% of the total sum insured
- Liability to the Public: RM 50,000 for any one accident or series of accidents constituting one occurrence
All you have to do is pay a little more premium and get even better coverage than before.
Can I cancel my policy?
Sure, you can. However, to make a cancellation you will need to submit a written notice to Zurich beforehand. If you have cancelled your policy without making any claims, then you might be refunded a certain percentage of your premiums paid. This clause however, depends on your sum assured and policy wording.