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Houseowners & Householders

The Pacific Insurance Berhad > Products > Fire > Houseowners & Householders

5 REASONS WHY

You should buy insurance policy from The Pacific Insurance Berhad

  • HONESTY & INTEGRITY
  • PROFESSIONALISM
  • CUSTOMER SERVICE EXCELLENCE
  • TEAMWORK
  • CORPORATE GOVERNANCE

ABOUT THIS POLICY

There are 2 areas under Houseowners & Householders insurance.

  • Houseowners (Buildings) Insurance
  • Householders (Contents) Insurance

 

HOUSEOWNERS (BUILDINGS) INSURANCE

For houseowners, the Fire policy has limited cover. For this reason insurers have especially designed Houseowners policies which offer comprehensive cover.

Scope of Cover

This policy covers against loss and damage by a full range of perils such as :

  • Fire, lightning, thunderbolt, subterranean fire
  • Explosion
  • Aircraft and other aerial devices dropped therefrom
  • Impact Damage
  • Bursting and overflowing of water tanks, pipes etc.
  • Theft by actual forcible and violent entry into or out of the building
  • Hurricane, cyclone, typhoon, windstorm
  • Earthquake and volcanic eruption
  • Flood (including overflow of the sea)

And in addition:

  • Loss of Rent (not exceeding 10% of the total sum insured)
  • The insured’s liability to the public in respect of Bodily injury and Damage up to RM50,000 in respect of any one occurrence.

EXTENSION TO SCOPE OF COVER

  • Riot & Strike and Malicious Damage
  • Flood other than as a result of earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm

 

HOUSEHOLDERS (CONTENTS) INSURANCE

SCOPE OF COVER

This policy covers loss of or damage to contents of a building as a result of the same contingencies as stated in the Houseowner’s Policy. (Please refer to the scope of cover No. a) to i) under the Houseowner’s Policy.
And in addition:

  • Loss of rent and necessary hotel expenses (not exceeding 10% of the total sum insured)
  • Breakage of mirrors (other than hand mirrors) whilst in the private dwelling only.
  • The Insured’s liability to the public up to RM50,000 in respect of any one occurrence.
  • Fatal injury to the insured occurring in the private dwelling, occasioned by outward and visible violence caused by thieves or by fire.
  • Compensation for death of the insured as a result of the same causes as in No 13 above. The liability of the company is limited to the sum specified in the schedule or half of the total sum insured.

EXTENSION TO SCOPE OF COVER

  • Riot & Strike and Malicious Damage
  • Extended Theft Cover
800+
PANEL PARTNERS ACROSS MALAYSIA
Panel Workshops
PANEL WORKSHOPS
Panel Windscreen Workshops
PANEL WINDSCREEN WORKSHOPS
Panel Hospital
PANEL HOSPITAL

THIS MAKES IT ALL WORTHWHILE

READ CUSTOMER TESTIMONIALS FOR

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Pacific Insurance Bhd (PIB), a market leader in medical insurance, has been our strategic partner since 2003. With the acquisition by the Fairfax Group, the new management has taken positive steps in improving… Read All

Andrew YuanGroup Executive Chairman, IHM Group of Companies

The prices of motor policy or non-motor is affordable to our customer. We currently satisfied with third party fire and theft

Aqil bin ManogaranAqil Mnm Enterprise (Agency)

The Pacific Insurance now are the cheapest insurance in the market.

  • Claim very fast
  • The Affinity team is very hard working and fast respond

Sazalisu bin Muhamad ZainAsamas (Agency)

Friendly and efficient with good support given. Keep it up.

Abdah Muharam bin Mohd AbasAbdah Motorsports (Agency)

Good service. Speed service and efficient. Helpful. Good marketing service.

Yan Peck Yong

Herewith would like to state a big and warm thank you to The Pacific Insurance Berhad T.P.I.B; especially to Shubli, Mei Si, Liz and Faizal for the excellent services extended throughout the years since 2007.

Adrian Lim Seng Huat