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Home Contents Insurance
You have worked hard for and treasure everything inside your home, so how can you protect your possessions in the event of loss or damages? With Home Contents Insurance comprehensive cover, you get year-round home protection and worldwide coverage for your personal belongings. Underwritten by MSIG, it also includes emergency 24-hour Home Assistance Services*.
Comprehensive Home Contents Cover - Your household contents will be covered against fire, typhoon, gas explosion, water damage, theft and accidental damage. Items of furniture or home appliances are covered for up to RM10,000 per item, while other valuables are covered for up to RM2,000 per item, with a maximum coverage of RM20,000 per event.
Extended Coverage Ensures All-round Home Protection - Not only are your valuable possessions covered, MSIG Home Contents Insurance also takes care of those other costs which can arise from any unexpected mishap.
You are covered against Fire brigade charges for RM500 per event, Loss or damage to frozen and perishable food caused by change of temperature resulting from insured events up to RM500. Losses of money and personal documents are also covered for up to RM1,500 and RM1,000 per event, respectively.
24-hour Home Assistance Services Always on Stand-by to Help Household accidents and repair problems, such as air-conditioner breakdowns and clogged plumbing, may happen at midnight, over a long weekend or at any time when you find it hard to get a helping hand. That’s why MSIG’s 24-hour Home Assistance Services is provided to make life easier for you. Just call the 24-hour toll-free number 1-300-880-863 and you will be assisted in arranging a housecall for a locksmith, plumber or other technicians.
All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia is eligible to apply for this plan and there is no other specific eligibility criteria.
| Coverage | Maximum Benefits (RM) |
|---|---|
| Home Contents Coverage | |
|
Up to sum insured (subject to the following sub-limits) |
|
|
|
10,000 per item |
|
2,000 per item (up to 20,000 in total per event) |
|
20,000 per event |
| Alternative Accommodation | |
|
300 per day (up to 10,000 in total per event) |
| Domestic Servant's Property | |
|
2,000 per event |
| Frozen and Perishable Food | 500 per event |
| Fire Brigade Charges | 500 per event |
| Window/Door Replacement | |
|
2,000 per event |
| Personal Accident Cover | |
|
100,000 per event |
| Household Removal | |
|
100,000 per event |
| Interior Decoration/Refurbishment | |
|
2,000 per item (up to 20,000 in total per event) |
| Loss of Personal Documents | 1,000 per event |
| Loss of Personal Money | 1,500 per event |
| Unauthorised Use of Credit Card | 2,500 per event |
| Personal Liability Coverage | |
|
|
|
2,000,000 per event |
|
1,000,000 per event |
| 24-hour Home Assistance Services (Involving Certified and Experienced Contractors) | Referral service only |
| To assist you in case of an emergency with just a phone call away: 1-300-880-863 | - Competitive and reasonable charges |
|
- Minimum charge per visit is RM20, but if total repairs cost RM150 and above, the RM20 charge will be waived |
IMPORTANT NOTE:
Excess:
- The first RM200 of each claim will not be covered by this insurance unless specified.
- For water damage, the first RM250 will not be covered.
- For household removal, the first RM500 will not be covered.
- For landslip and subsidence, the first RM25,000 or 5% of the total sum insured, whichever is lower, will not be covered.
- Excess is not applicable for Personal Accident and Personal Liability Cover.
| Plan | Sum Insured (RM) | Annual Premium (RM) |
|---|---|---|
| 1 | 60,000 | 318.00 |
| 2 | 70,000 | 378.00 |
| 3 | 80,000 | 440.00 |
| 4 | 90,000 | 504.00 |
| 5 | 100,000 | 570.00 |
| 6 | Excess of RM100,000, please email to hlb_online@my.msig-asia.com |
Note:
- Commission of 15% will be payable to Hong Leong Bank for providing insurance advice & claims assistance / services to you when you purchase a policy through this site. Otherwise please visit www.msig.com.my.
- You are obligated to pay any applicable taxes (which include but not limited to service tax and RM10 stamp duty) imposed by the Malaysian tax authorities in relation to your Policy.