OUR PRODUCT
Houseowner & Householder Insurance
Safeguard your hard-earned assets with Houseowner & Householder Insurance content protection, ensuring coverage against perils and threats for a secure recovery from unexpected home losses.
Features
Your car takes you everywhere—trust Kurnia to protect it with 24/7 roadside assistance for breakdowns and accidents.
Cover Type
Home Repairs
Not Covered
Rent Insurance
Covered
Death Benefits
Not Covered
TPD Benefits
Not Covered
Personal Liability
Not Covered
Coverage
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
Not Covered
Bush Fire
Falling Trees And Branches
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Explore Further
What is this Houseowner & Householder Insurance?
Protecting your home goes beyond its walls—you also need to safeguard the valuables you’ve spent years acquiring. With this dual coverage insurance, both your house and its contents are fully protected.
What exactly does this policy cover?
This insurance offers two types of coverage. Houseowner coverage protects your building and property exterior, while Householder coverage safeguards your home contents from risks inside and outside your home.
Houseowner Coverage
This insurance plan protects your home against various risks, including fire, lightning, explosions from domestic gas, and natural disasters like earthquakes, floods, hurricanes, and windstorms. It also covers damage from aircraft debris, vehicle or animal impact, water tank overflows, theft, and loss of rent. Additionally, it provides public liability coverage up to RM50,000.
For added protection, you can extend your coverage with optional benefits, such as protection against landslides, riots, strikes, malicious damage, and third-party liability beyond RM50,000. You can also cover damage to outdoor fixtures, metal smoke stacks, awnings, plate glass, and landlord’s furnishings in flats.
Householder coverage
The householder section of your coverage protects your home contents, including furniture, electronics, antiques, paintings, and other personal belongings, against similar risks as the Houseowner policy, with added benefits.
These additional benefits include:
- Coverage for temporarily removed contents (up to 15% of the total sum insured)
- Mirror breakage protection (RM500 per piece per accident)
- Compensation for death due to visible violence from theft or fire
- Coverage for a servant’s property
You can also enhance your content protection by opting for additional coverage against risks like landslides, riots, strikes, malicious damage, and theft.
How much premium do I have to pay?
Your home insurance premium is primarily determined by the total value you choose to insure for your home and its contents. Each section of your policy is calculated separately, then combined with GST to determine the final premium amount.