What is Home Partner insurance?

It is a comprehensive package plan which covers

  • Householder
  • Personal Accident
  • Personal Liability

Key Coverage

Here is an overview of your coverage.

Household Contents

Household Contents

Indemnifies you against loss or damage to your property caused by

  • Fire & lightning
  • Flood, windstorm, typhoon, earthquake, volcanic eruption
  • Impact damage by vehicle or animals not under your control or any of your family members
  • Domestic explosion
  • Aircraft and other aerial devices and/or articles dropped therefrom
  • Theft/burglary accompanied by actual forcible and violent entry
  • Hold-up and armed robbery
  • Water damage caused by bursting or overflowing of water tanks, apparatus or pipes
  • Riot, strike and malicious damage

The policy offers a basic sum insured of RM10,000 for minimum premium of RM70.

Personal Accident Insurance

Personal Accident Insurance

24-hour worldwide cover for bodily injury resulting in death or permanent disablement caused by accidental means for you and up to 4 of your immediate family members The sum insured per person is RM10,000.

Personal Liability

Personal Liability

Covers your legal liability to third party for bodily injury or damage to property.

How much is my premium?

Your premium may vary, depending on

  • The declared value of your household contents
  • The following additional perils you wish to extend   to your basic cover:
  • Subsidence and landslip
  • Bush fire
  • Damage by falling trees
  • Full theft including theft by domestic servant
  • Full theft excluding theft by domestic servant

Download our brochures under the Product Literature

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What we don't cover

Household Contents

Loss or damage to

  • Any part of structure or ceiling, wallpaper or the likes. Deeds, bonds, bills of exchange, promissory notes, cheques and stamps
  • Documents of any kind
  • Manuscripts
  • Medals
  • Motor vehicles and accessories
  • Livestock
  • Theft by, any member of your  family and household  


Personal Accident Insurance
  • Insanity, suicide (whether sane or insane), intentionally inflicted injuries or any attempt to do so
  • Any disease, infection, parasite and AIDS
  • Childbirth, miscarriage, pregnancy or any related complication
  • Whilst committing or attempting to commit any criminal act
  • Pre-existing physical or mental defect or infirmity


Personal Liability
  • Liability assumed under contract and/or agreement
  • Claims made by your employees for accidents arising in the course of employment
  • Claims against you by your family members
  • Liability arising from the ownership, possession or use of any animal (other than pet dog or cat), mechanically propelled vehicle, vessel or aircraft, land or building and firearms
  • Liability arising out of your employment, trade, profession or business
  • Seepage pollution or contamination
  • Fines, penalties, punitive or exemplary damages of any kind
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 should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, at all times, feel free to contact us for more information.