Home Insurance Malaysia: Houseowner & Householder Cover

What does home insurance cover in Malaysia?

• 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 insurance for tenanted property, and contents insurance for what is inside
• Landlord and tenant structures, cover matched to who owns what

Is flood insurance included in home insurance in Malaysia?

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 →