Houseowner

Houseowner

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With the Houseowner insurance policy, you can be assured that your home is immeasurably covered against a host of perils including natural disasters, sudden impacts and accidents that may cause loss or damage to your home’s structure.

  • Disaster Relief
     
    Covers the building against all natural perils including fire, lightning, windstorm, earthquake and floods
     
  • Sudden Impact
     
    Covers loss or damage to your building due to damages caused by aircrafts, road vehicles and animals, as well as domestic gas explosions
     
  • Unforeseen Perils
     
    Protects your house against damages incurred by bursting or overflowing water tanks or pipes, theft or rental loss
     
  • Add on Benefits
     
    Invest in additional protection against subsidence, landslip, riot, strike, malicious damage, and liabilities to third parties for accidents in your house
     

Building Cost Calculator

“This Building Cost Calculator (“Calculator”) provides an estimate of the rebuilding cost of your property for evaluation purposes only, and does not guarantee the actual amount that we may agree to insure your property for. The Calculator is intended to assist in estimating the sum that your property is to be insured for and shall not at any time be a substitute for professional advice and judgment, particularly where a property has any unusual features or is outside the range of properties described below. If your property has any unique or special design features, kindly refer the property to a professional valuer for a more accurate assessment of your property.

Disclaimer: By using the Calculator, the user acknowledges that the user has read, understood and agrees to the terms of this Disclaimer. The Calculator and all information contained herein is provided by Persatuan Insurans Am Malaysia (PIAM) at no charge, on an “as-is” and with all faults basis. To the fullest extent permitted by law, we hereby disclaim all representations and warranties of any kind, whether express or implied, with respect to the use of the Calculator or any information contained herein. Users are advised that the Calculator is formulated to provide an estimated rebuilding cost only and may not be accurate due to insufficient / inaccurate details or information being provided, and/or certain assumptions made in respect of the parameters used by the Calculator. The results generated from the Calculator shall only serve as an estimate, guide or indication of the amount that properties of users may be insured for, and Liberty Insurance Berhad shall not be held responsible for the accuracy of, reliance upon, or use of the Calculator and/or the results provided by the Calculator. Users are to take note that to the extent that the output of the Calculator is considered as financial advice, it is of general nature only and does not take into consideration any of the user's objectives, financial situation and needs. As such, users are advised to seek independent professional advice where necessary. For the avoidance of doubt, Liberty Insurance Berhad shall not be liable for any loss or damage, whether direct, indirect consequential, incidental or otherwise, arising out of or in connection with the use of the Calculator, the results of the Calculator or any information contained herein. This Disclaimer is prepared in both English and Bahasa Malaysia.
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Building Cost Calculator helps you estimate the cost of rebuilding your property

Legal Shield - House Owners

Legal Shield

Benefits of Coverage

Personal Injury Pursuit of legal proceedings in respect of any incident or event causing bodily injury or death to you, provided that the bodily injury or death is a result of a sudden and specific incident or event
Employment Disputes Pursuit of legal proceedings arising from or relating to your contract or employment as an employee
Contract Disputes Pursuit or defense of any disputes or legal proceedings made by or brought against you over a contract for the sale, purchase or hire of goods and services provided
Property Disputes Covering the legal expenses incurred in any disputes or legal proceedings made by or brought againts you, provided you will suffer financial loss if you fail to pursue or defend the dispute or legal proceeding
Legal Defense Covering the legal expenses incurred in defending a prosecution against you in a court of criminal jurisdiction arising from the sale or supply of privately owned goods


Terms

  • This Legal Shield claim is limited to RM 100,000 of any one claim / aggregate in one (1) year, whichever comes first
  • The excess clause is RM 1000 which is to be borne by the policyholder, applicable to each and every claim
  • This embedded coverage benefits are only limited to HO/HH policyholders

FAQ - Potential Claims Scenarios

Personal Injury

An entrepreneur was involved in a car accident whilst she was travelling in a taxi to the airport. She was unable to work for over 4 months due to a serious broken leg. 

Considering that she is self-employed and the accident had caused her loss of income throughout the 4 months period, she used the policy to pursue the taxi company for compensation.

Downloads

Proposal Form
Policy Wording
Legal Shield Brochure

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