Coverage Period
Type of Property
Home is where the heart is and so it's important to protect your nest and your treasured belongings against any unexpected events that can set you back significantly, financially.
A-Essential Home is a protection plan that covers your home and its contents against loss or damage.
PROTECTION AGAINST LOSS OR DAMAGE TO THE PROPERTY
You will receive the amount you are covered for if you suffer loss or damage because of a fire, lightning, explosion, theft involving forced entry into/exit from the building, malicious damage, burst pipes, floods and impact damage. You will also receive up to 10% of your coverage amount if you suffer loss of rental after the incident. What's more, we will reimburse you for the cost to clear away debris.
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PROTECTING YOUR TREASURED BELONGINGS
You can choose to cover for loss or damage to your home contents as a result of the above mentioned insured perils. This comes with automatic protection on newly purchased items provided that you have notify the company within 30 days.
CASH ASSISTANCE
To ease your financial burden, you will receive financial assistance to cover any out-of-pocket expenses you incurred to cope during the challenging time when your home is unfit to live in.
WORLDWIDE COVER FOR PERSONAL ITEMS
You can opt to insure your valuable belongings such as jewellery, gold, watches, camera and handbags, against loss or damage even while you're travelling.
LIABILITY PROTECTION FOR YOU AND YOUR FAMILY
For additional protection, you can choose to cover you and your spouse against any legal liability for bodily injury or property damage experienced by others owing to your negligence.
SUM INSURED - BUILDING COST CALCULATOR
If you wish to get the estimated rebuilding cost of your property to estimate the sum insured, you may use the Building Cost Calculator (BCC) on PIAM's website at the following link. http://www.piam.org.my/consumer/industry/building-cost-calculator-bcc/ and complete the questionaires provided. Please inform the Company if you wish to revise the sum insured. Any revision to the sum insured is subject to the Company's approval.
