Protect everything inside your home.
Householder insurance covers the contents of your home — furniture, electronics, jewellery, clothing and more. Available for both homeowners and tenants.
What's inside your home is covered
Householder insurance reimburses you for the loss or damage of home contents due to fire, flood, theft and other perils.
Furniture & Fixtures
Sofas, beds, dining sets, wardrobes, curtains and built-in cabinetry. Covers fire damage, flood damage and accidental breakage.
Electronics & Appliances
Televisions, laptops, refrigerators, washing machines, air conditioners and other home electronics. Fire damage and theft are the most common claims.
Clothing & Personal Items
Clothing, footwear, bags and personal effects inside your home. Covered against fire, flood and burglary.
Jewellery & Valuables
Gold jewellery, watches, and other valuables — subject to sub-limits per item. Recommend a full valuation for high-value jewellery.
Burglary & Theft
Covers loss of contents due to forced entry and theft. Police report required. Covers visible signs of forced entry — broken locks, damaged windows or doors.
Fire, Flood & Perils
Contents damaged or destroyed by fire, flood, storm, landslide or explosion. A critical add-on for homeowners in flood-prone areas — cover both structure and contents.
You don't need to own the property to insure your belongings
If you're renting, you cannot insure the building (that's the landlord's responsibility). But everything inside — your furniture, electronics, clothes and personal belongings — is yours to protect.
Householder insurance is one of the most overlooked and undervalued types of insurance in Malaysia. A single flood event or burglary can cost tens of thousands of ringgit to replace without it.
WhatsApp for a Tenant Quote
To calculate the right sum insured, add up the replacement cost (not original price) of everything in your home. Take a room-by-room inventory. Most people underestimate by 30–50%.
If you own your home, consider bundling householder insurance with your houseowner policy. The combined premium is typically lower and ensures both structure and contents are fully covered.
Common questions about householder insurance
Do tenants need householder insurance?
Yes. Tenants cannot insure the building they rent (that's the landlord's responsibility), but everything inside it — furniture, electronics, clothing and personal belongings — is theirs to protect with householder insurance.
How do I calculate the sum insured for householder insurance?
Add up the replacement cost — not the original purchase price — of everything in your home. Take a room-by-room inventory. Most people underestimate the value of their contents by 30–50%, which can leave them underinsured at claim time.
Does householder insurance cover theft?
Yes. Householder insurance covers loss of contents due to burglary and theft, provided there are visible signs of forced entry such as broken locks or damaged windows or doors. A police report is required to support a claim.
Can I bundle houseowner and householder insurance?
Yes, if you own your home. Bundling houseowner (structure) and householder (contents) insurance typically results in a lower combined premium and ensures both your building and belongings are fully covered.
What does householder insurance NOT cover?
Householder insurance excludes the building structure itself (that's houseowner insurance), wear and tear, and high-value items above the policy's per-item sub-limit unless separately declared and valued, such as expensive jewellery.
Does householder insurance cover flood damage to contents?
Flood damage to contents is covered under the special perils add-on, not automatically included in a base policy. This is especially important for homes in flood-prone areas of Klang Valley and Johor.
Your belongings deserve protection too.
WhatsApp us with your approximate contents value. We'll prepare a Zurich householder quote within the hour.