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A new kind of home insurance that offer flexibility for the piece of mind.

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Smart Home Cover

A new kind of home insurance that offer flexibility for the piece of mind.

A new kind of home insurance that offers flexibility for peace of mind

Tailor-make your home insurance according to your wants and needs to ensure that your home gets the most suitable coverage.

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What does this policy cover?

HOUSEHOLDER
• Loss or damage to your household goods due to fire, lightning, and explosion caused by gas used for domestic purposes;
• Loss or damage to your household goods by aircraft, impact damage by any road vehicles or animals not belonging or controlled by you or any of your family, windstorm subject to excess clause, earthquake subject to excess clause, and flood excluding loss or damage caused by subsidence of landslip, subject to excess clause;
• Theft if by actual forcible and violent breaking into or out of the building;
• Bursting or overflowing of water tanks or pipes excluding:
a) The excess of RM50.00 as stated in the schedule, for each and every loss.
b) Damage occurring while the building was left untenanted.
• Liability to third parties for accidents that occurred in your property for up to RM50,000; and
• Loss of rent (limited to 10% of the total sum insured).
HOMEFIX (OPTIONAL BENEFIT AND SUBJECT TO ADDITIONAL PREMIUM)
• Home service or repair assistance.
LANDLORD INSURANCE (OPTIONAL BENEFIT AND SUBJECT TO ADDITIONAL PREMIUM)
You may extend your coverage to the following risks by paying an additional premium for:
• Subsidence, landslip, riot, strike, and malicious damage;
• Increased limit of liability to third parties for accidents in your house;
• Accidental damage to plate glass; and
• Increase limit or rent.
Schedule of benefits
PLAN A
PLAN B
PLAN C
Section Benefit Description Benefit Amount (RM)
HouseHolder First loss 10000 20000 30000
HomeFix a. Repair of Burst Pipe Up to 500 Up to 1,000 Up to 1,500
b. Repair or temporary repair or replacement of Doors, Locks, Windows arising from Theft Up to 200 Up to 200 Up to 200
c. Domestic Help Allowance Up to 100 Up to 200 Up to 300
d. Home Repair or Service via Allianz Partners 50 60 80
Landlord Insurance a. Malicious Damage by Tenant Up to 2,000 Up to 2,000 Up to 2,000
b. Tenant Runaway – RM500 per incident, limited to twice a year RM1,500 per incident, limited to twice a year
c. Legal Fees for Letter of Demand Limited to twice a year Limited to twice a year Limited to twice a year
PLAN A
PLAN B
PLAN C
Section Benefit Description Premium (RM)
HouseHolder First loss 52* 104* 156*
HomeFix a. Repair of Burst Pipe 34 53 86
b. Repair or temporary repair or replacement of Doors, Locks, Windows arising from Theft
c. Domestic Help Allowance
d. Home Repair or Service via Allianz Partners
Landlord Insurance a. Malicious Damage by Tenant 51 181 439
b. Tenant Runaway
c. Legal Fees for Letter of Demand
Note: Base of the product must consist of HouseHolder.

* Excludes flood prone areas.
MAJOR EXCLUSIONS
This policy does not cover certain losses such as:
• Loss/damage due to subsidence, landslip, riot, strike, and malicious damage: unless with additional premium
• Servant’s property
• War, civil war, and any act of terrorism
• Spontaneous combustion
• Radioactive and nuclear energy risks
• Cessation of works or confiscation
• Date recognition
• Property damage to data or software
• Consequential loss
• Loss of damage by burst pipes whilst the building is untenanted
• The ‘Liability to the Public’ section does not cover any asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination, or avoidance of asbestos, exposure, or potential exposure to asbestos
Note: This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
IMPORTANT NOTE
YOU MUST ENSURE THAT YOUR PROPERTY IS INSURED AT THE APPROPRIATE AMOUNT. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.

Disclaimer

The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document. Being the underwriter, Allianz General Insurance Company (Malaysia) Berhad is fully responsible for the products and benefits offered by them, as well as any representation made. Standard Chartered Bank Malaysia Berhad is a distributor only. The Bank accepts no responsibility or liability for the plan or the products and services offered by Allianz General Insurance Company (Malaysia) Berhad.

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This fund is distributed by Standard Chartered Bank Malaysia Berhad, a multi-award recipient for BENCHMARK Wealth Management Awards Affluent Banking Malaysia 2017 in Outstanding Achiever for Investment Platform, Product Due Diligence, Product Innovation and Best in Class for Bancassurance, and Risk and Compliance, as well as in Campaign of the Year.