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Important Notice

Please be informed that medical plans underwritten by Zurich Life Insurance Malaysia Berhad and Zurich Takaful Malaysia Berhad provide coverage for COVID-19 caused by SARS-CoV-2 (2019 novel coronavirus), subject to the terms and conditions specified in the respective plans. Zurich will waive the standard exclusion and continue to provide coverage, should the Ministry of Health classify the SARS-CoV-2 as among ‘communicable diseases requiring quarantine by law’. In the event you have / suspected to have contracted the SARS-CoV-2, please seek immediate medical attention. For enquiries, please email us at

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Fire Insurance

Protect your property and inventory from fire-related incidents.

While there’s plenty that we can do to prevent the unfortunate event of a fire, fire outbreaks can happen at the most unexpected of times. If it does happen, we’re here to make sure your finances aren’t burned, too.

Our Fire Insurance is designed to cover the losses or damages to your property and personal belongings that are caused by fire, lightning or explosion caused by gas used for domestic purposes.

Important Notice

Under-insurance / under-coverage of your property can lead to inadequate compensation due to the application of average clause. To get a quick insurance / coverage estimate for your property (ie. residential properties, simple shop houses and shop offices), you may use the Building Cost Calculator, which is jointly developed by Persatuan Insurans Am Malaysia (PIAM) and the Malaysia Takaful Association (MTA). Do note that the calculator provides an estimate of the rebuilding cost of your property for evaluation purposes only, and does not guarantee the actual amount that the we may agree to cover your property for.

Building Cost Calculator (ENG)
Building Cost Calculator (BM)
  • What is the scope of cover?

    The fire insurance policy covers losses or damages to your insured property i.e. your private residence and its contents; that are caused by fire, lightning or explosion of domestic boilers and gas used for domestic purposes only during the period of insurance.

    You may extend your policy to cover the following perils by paying additional premium:

    • Aircraft damage
    • Earthquake and volcanic eruption
    • Storm, tempest
    • Flood
    • Explosion
    • Impact damage
    • Bursting or overflowing of water tanks, apparatus or pipes
    • Bush / lalang fire
    • Subsidence and landslip
    • Riot, strike and malicious damage
    • Damage by falling trees or branches and objects

    Note: You need to renew your fire insurance policy every year.

  • How much can I get insured for?

    The coverage is based on the cost of restoring the damaged property or replacing it with a property that is similar in condition to that of the time when the loss occurred.

    For Your Property

    The current cost of reconstructing the building back to its original form, minus deduction justified for betterment.

    Betterment is an addition/alteration to your property which results in it being in a better condition than before the fire incident, for e.g. remodelling the kitchen with cabinets that are more expensive than the original cabinets.

    For Your Personal Belongings

    The cost of replacing a new item, minus deduction for depreciation of value due to wear and tear. Your personal belongings include appliances, furniture and clothing.

  • How much are the premiums?
    Above RM 50 Million Special Rating
    PIAM* Technical Rating Committee will determine the special rating
    RM 10 Million - RM 50 Million Self Rating
    Premium rates are computed by Zurich using the self-rating structure provided by PIAM*
    Below RM 10 Million Tariff Rating
    Premium rates are as per Revised Fire Tariff (w.e.f. 1st July 2000)

    * Persatuan Insurans Am Malaysia

    Note: Other charges include commissions paid to the insurance agent and a stamp duty of RM 10.00.

  • Where can I get more information?
  • Contact us.

    Meet a Zurich Insurance Agent

    Meet A Zurich Agent

    Locate Your Nearest Zurich Branch  

    Locate Your Nearest Zurich Branch

    Contact Our Zurich Call Center

    Contact Our Zurich Call Centre

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