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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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Houseowner & Householder Insurance

Secure your home and its contents against natural disasters and uncertainties.

Home is where the heart is. Now you can take heart with our coverage for loss or damage to buildings and/or contents in private residences.

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?
    • Fire, Lightning, Thunderbolt and Subterranean Fire.
    • Bursting or Overflowing of Domestic Water Tanks, Apparatus and/or Pipes.
    • Theft by actual, forcible and violent means.
    • Explosions, earthquakes and Volcanic eruption.
    • Aircraft and other aerial devices and/or articles dropped therefrom.
    • Impact with any of the buildings by any road vehicles or animals not belonging to or under the control of the Insured or any member of his family.
    • Hurricane, Cyclone, Typhoon, Windstorm.
    • Flood but excluding loss or damage caused by subsidence or landslip.
  • How does this plan work?

    There are three sections in the houseowner / householder policy. You can opt to purchase either Section 1 or 2 or both Sections. Section 3 is provided in conjunction with Section 1 or 2 or both Sections.

    Section 1


    Section 2

    Contents - Household goods and personal effects

    • Property temporarily removed
    • Damage to mirrors
    • Compensation for death of the Insured - RM 10,000 or one half of total sum insured on contents, whichever is less
    • Servants' property

    Section 3

    • Rent Insurance: 10% of the total sum insured
    • Liability to the Public: RM 50,000 for any one accident or series of accidents constituting one occurrence
  • 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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