PERSONAL
Houseowner,Householder, Home protect
Suitable for homeowners who own their landed building or property and landlords who rent out their house. So that owners financially protected in case of a disaster.
Houseowner
Protection for the building structure only including walls, roof, doors, windows, fixtures and fittings with new additional solar panel.
Householder
Protection for household content and personal belongings such as furniture, electrical appliances, clothing, jewelry and other valuable inside the home.
Home Protect
A combined plan that includes both houseowner and householder coverage and sometimes extra benefit such as :-
· Personal liability (if someone get injured on your property)
· Temporary accommodation (if your home becomes unlivable)
· Emergency repair services or 24 hour assistance
Cover Loss or damage caused by perils:
- Fire, lighting or explosion
- Flood, storm or tempest
- Impact damage (from vehicles, falling trees, aircraft, etc.)
- Burst pipes or water tank overflow
- Explosion of domestic gas appliances
- Earthquake and volcanic eruption
- Theft or attempted theft (by forcible and violent entry)
- Bursting or overflowing of domestic water tanks or apparatus
- Subsidence or landslip (optional in some plans)
- Burglary (householder)
- Accidental damage to household content (optional)
Additional protection for Home Protect :-
- Personal liability
If someone is injured or property is damaged due to your negligence
- Alternative accommodation
If your home become uninhabitable after an insured loss
- Loss of rent or tenant’s liability
Protect you from accidental damage claims by your landlord - Temporary removal of contents
Items temporarily taken outside your home eg. to the laundry
- Home Financing Assistance
Cover suffers at least 50% loss damage caused by Fire, Lightning, Flood or Subsidence and Landslip
Solar
Solar insurance/takaful protects your home’s solar panel system against physical damage, electrical failure, theft and other risks. Most home policies do not automatically cover solar panels unless declared. Why special solar PV extension is needed to protect:-
- Physical Loss or Damage
- Theft or Attempted Theft
- Electrical & Mechanical Breakdown
- Fire from Solar System
- Loss of Solar Income (optional)
Solar Insurance/Takaful Usually Protects The Full System :-
- Solar PV panels
- Inverter
- Solar battery (if installed)
- Mounting structure
- Cables and wiring
- Monitoring systems
Protection devices (MCB, isolator, DC box)