What is Fire insurance?

This policy covers your property against loss or damage by

  • fire
  • lightning
  • limited explosion

Key coverage

Here is an overview of your coverage

Basic Cover

Basic Cover

This policy covers loss or damage to your property due to

  • Fire
  • Lightning
  • Explosion caused by gas used for domestic purposes

Extended Coverage

Extended Coverage

For an additional premium, coverage may be extended to these risks

  • Aircraft damage, Impact damage, Earthquake and volcanic eruption
  • Storm and tempest, Flood, Explosion, Bursting or overflowing of pipes
  • Subsidence and landslip
  • Bush/Lalang fire, Spontaneous Combustion, Sprinkler leakage
  • Riot, strike and malicious damage
  • Damage by falling trees or branches and other objects

How much is my premium?

Your premium may vary, depending on

  • Cover selected
  • Coverage amount
  • Our underwriting requirements

Download our brochures under the Product Literature

Building Cost Calculator (BCC)

The calculator is a guide only to assist you in determining the estimated sums to be insured for residential properties, simple shop house and shop office and is not a substitute for professional advice to be obtained.

Before using the calculator, kindly note the following: 

  1. if any renovations have been made to your property, you are advised to indicate the amount (cost of renovation) in the box provided in the BCC.
  2. if your property has unique or special design features and/or have extensive renovations and/or have complex structures affixed, you are advised to obtain professional advice for a more accurate assessment of your property.

To access to the BCC, kindly click on the following selection:

Get it now

What we don’t cover

  • Theft during or after a fire
  • Burning of property by order of any Public Authority
  • Subterranean fire, pollution or contamination
  • War, civil war and any act of terrorism
  • Radioactive and nuclear energy risks
  • Date recognition 
  • Property damage to data or software
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 30 June 2012.

Note: You must ensure that your property is insured at the appropriate amount. You should read and understand the insurance policy and discuss it with your agent. Or, feel free to contact us directly for more information.