Houseowner/Householder

The Tahan Houseowner policy is designed to cover building of private dwelling or flat whilst the Householder policy provides cover for the contents within the private dwelling.

The coverage provided is divided into the following sections 

Section 1   
Loss or damage from:

• Fire, lightning, thunderbolt and subterranean fire
• Explosion        
• Aircraft or other aerial devices and/or articles dropped therefrom
• Impact damage cause by any road vehicle, horses or cattle not belonging to or under the control of the proposer or any member of his family.
• Bursting and overflowing of domestic water tanks, apparatus or pipes (unless the building is left unattended and excluding the first RM50.00 of each loss)
• Theft but only if accompanied by actual forcible and violent breaking into and out of the building or any attempt thereat
• Hurricane, cyclone, typhoon, windstorm (excluding the first 1% of sum insured or RM200.00 whichever is lesser)
• Earthquake, volcanic eruption (excluding the first 1% of sum insured or RM200.00 whichever is lesser)
• Flood (including overflow of the sea) caused by earthquake or volcanic eruption, hurricane, cyclone, typhoon (excluding the first 1% of sum insured or RM200.00 whichever is lesser)

Section 2

• Loss of rent
• Personal Liability
• Damage to mirrors (other than hand mirrors) limited to RM500.00.
• Loss or damage to domestic servant’s clothing and personal effects (excluding cash, currency notes, bank notes and stamps) provided the servant is residing with the insured.
• Loss of the contents temporarily removed from the private dwelling but remaining within the geographical limit (except for sales or exhibition or to a furniture depositories) whilst in transit or on the person.
• Personal accident cover for fatal injury to the proposer occasioned by external visible and violence means caused by thieves or by fire provided the death occurred within 3 calendar months of such injury.
• Personal accident cover for fatal injury to the proposer occasioned by external visible and violence means caused by thieves or by fire provided the death occurred within 3 calendar months of such injury.