Houseowner Property Takaful
Protect your most valued properties.
Home Takaful protects your house and your household contents from financial loss if something unexpected happens, such as a fire, theft, flood, or other damaging events subject to Terms and Conditions of the takaful certificate.
Home takaful plans in Malaysia generally provide basic coverage for common risk, such as protection against fire, theft and certain natural disasters. The key differences are the additional benefits each takaful operator offers, such as coverage for personal belongings, temporary accommodation, or extended liability. It’s important to review these features carefully and select coverage that best matches your needs.
The main types of home takaful plan available in Malaysia are:
- Houseowner Takaful
- Householder Takaful
To learn more about the plans and its benefits, please visit Z-Home Protect Takaful, subject certificates terms, conditions and exclusion.
Fire takaful coverage is generally a standard protection in Malaysian home takaful certificates and is included in most home takaful plans. The coverage generally protects against:
- Fire
- Lightning
- Domestic Explosion
Fire takaful coverage is also commonly required by banks for homes with property financings.
Flood Coverage
- Flood protection to cover flood damage is usually offered as an optional add-on (extension).
Flood damage may include, but is not limited to:
- Water damage to walls, floors, wiring, and fixtures
- Damage to furniture, appliances, and personal belongings (if contents are covered)
The annual cost of home takaful plan in Malaysia typically ranges from around RM60 to over RM1,000, depending on several key factors, including property location, sum covered, building type, and coverage options selected. This contribution range is indicative only and provided for illustrative purposes. Actual contributions are subject to underwriting assessment and the specific certificate terms and conditions.
Type of coverage
- Fire Takaful only (basic)
- Houseowner Certificate (building)
- Householder Certificate (contents)
- Comprehensive Home Takaful (building + contents + liability)
Sum covered
- The rebuilding cost of the house (for building)
- The value of household contents such as furniture, appliances, and personal belongings
Property type
- Landed house, apartment, condominium, terrace, semi-detached, bungalow
- High-rise homes, which may have different coverage considerations
Location of the property
- Urban vs rural areas
- Properties in flood-prone areas may incur higher contributions
Optional add-ons
- Subsidence and landslip
- Riot, strike and malicious damage
- Rent takaful
Public liability (typically not applicable to basic fire-only certificates)
The contribution of home takaful depends on factors such as the size and value of your property, its location, building materials, and the coverage options you choose. Basic coverage such as protection against fire or natural disasters is usually available at a standard rate, while adding extra benefits such as coverage for personal belongings or temporary accommodation may increase the contribution.
For accurate contribution amount, request quotes from different Takaful operators and compare coverage and benefits to find the protection plan that suits you best.
There is no universally “best” home takaful plan in Malaysia; the most appropriate certificate varies based on individual factors such as property type, coverage requirements, budget, and risk exposure.
The best home takaful plan for you is one that:
- Provides an adequate sum covered for your home and contents
- Covers key exposure risks relevant to your location (e.g. flood, fire, theft)
- Has clear certificate terms, reasonable exclusions, and flexible add-ons
- Is offered by a financially stable and licensed insurer
- Has a reliable claims service reputation
Generally, home takaful plan that are considered “good” tend to share the following characteristics:
- Fire and flood coverage
- Protection for household contents
- Public liability coverage
- Flexible add-ons
- Transparent and efficient claims process
When planning takaful coverage for your first home, it’s important to ensure protection for your property, belongings, and liability. Here’s a step-by-step approach:
- Assess your needs
- Choose core takaful types
- Consider additional coverage options
- Compare and customise certificates
- Understand terms and conditions
- Maintain your coverage
For more info on the sum covered calculation, please refer to the product brochure.
Zurich Malaysia provides separate Houseowner and Householder coverages, as well as more comprehensive home coverage solutions.
To learn more about the plans and its benefits, please visit Takaful For Property | Z-HomeProtect Takaful | Zurich Malaysia, subject to certificates terms, conditions and exclusion.
- Fire Takaful (Basic)
- Covers damage caused by fire, lightning, and domestic explosion
- Commonly required by banks for property financings
- Does not cover flood unless extended
- Houseowner Certificate (building)
- Covers the building (walls, roof, fixtures)
- Suitable for owners of landed homes, condominiums, and apartments
- Optional extensions may include risks such as landslide or other specified perils (subject to certificate terms)
- Householder Certificate (contents)
- Covers household contents such as furniture, appliances, and personal belongings
- Ideal for homeowners or tenants
- Does not cover the building structure
- Comprehensive Home Takaful (Houseowner and Householder) has full protection and broader coverage include:
- Building and contents
- Theft, Flood, Liability to third party, Loss of rent and other benefits as additional coverage
Strata / High-Rise Related Coverage
For condominiums and apartments, the building structure is usually covered under the Management Corporation’s master policy/certificate. Individual owners typically need Householder Takaful to protect interior fixtures and contents.
Z-Home Protect offers a wide range of coverage for loss and damage to your buildings and/or contents used solely for residential purposes.
To learn more about the plans and its benefits, please visit Takaful For Property | Z-HomeProtect Takaful | Zurich Malaysia
You can obtain quotation for Zurich Home Takaful through several channels:
Visit a Zurich Branch office to speak directly with a representative
- Call us at 1-300-888-622 (Mon–Fri, 8:30 AM–5:15 PM) or email us at callcentre@zurich.com.my to request a certificate update.
- Provide your bank financing details so we can update the mortgage clause.
- Adjust your coverage (e.g. building sum covered) according to your bank requirements.
- Submit any documents required by us.
- You can also visit our branch or use our online enquiry channels for assistance.