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Home & Houseowner Insurance

Fire, flood, burglary and liability, for owners, landlords and tenants, with the sum insured set right so a claim actually rebuilds your home.

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Who this is for

Homeowners with a mortgage

Landlords renting property out

Tenants protecting renovation and contents

What it typically covers

Fire and lightning on the building, the base every bank requires
Flood, storm and burst-pipe extensions, monsoon reality
Burglary, contents and valuables after forced entry
Householder liability, injuries to visitors at your property
Landlord and tenant structures, cover matched to who owns what

Arranged across AMANA's panel of licensed Malaysian general insurers, sum insured set to real rebuild cost, not the bank's loan figure.

Flood cover, the part most people get wrong

Flood is the most common home insurance question we get in Malaysia, and the most commonly misunderstood. A standard fire policy does not cover flood. It is an extension, and it has to be added deliberately.

Two policies get confused. Houseowner covers the building itself, the structure, fixtures and permanent fittings. Householder covers what is inside, furniture, electronics and belongings. A flood that ruins your ground floor damages both, and many Malaysian homes are insured for only one.

If you are in or near a flood-prone area, and much of the Klang Valley is, the extension costs little against the alternative.

Read our flood preparation guide →

Common questions

My bank already insured the house. Am I done?

The bank's policy protects the building for the loan, not your renovation, furniture, valuables or liability. That's the gap we close.

Is flood automatic?

No, it's an extension. In flood-prone areas it's the first thing we add; the premium is small against a flooded ground floor.

Get your quotation

One question at a time, your personalised quote via WhatsApp or email, usually the same day.