
All-in-Home
Comprehensive coverage for accidental loss or damage to your home contents.
Important notice
You should satisfy yourself that this policy will best serve your needs. You must nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have opted to purchase. You should read and understand the insurance policy and discuss with your insurance adviser or contact the insurance company directly for more information.
MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).
Key benefits
Comprehensive coverage
This benefit provides all-encompassing protection for both your home and its contents under a single policy. It covers a wide range of risks, such as fire, theft, damage, and natural disasters, ensuring that both the structure of your home and the belongings inside are safeguarded against various threats.
Value for Money (with 19 Extended Covers)
This feature offers exceptional value by providing extensive coverage with 19 additional extended covers. These extended covers provide extra protection for specific risks not typically included in standard home insurance policies, ensuring comprehensive protection for a wide variety of potential situations at a reasonable cost.
All-in-One Packaged Product
- Home contents
- Worldwide Coverage for Personal Belongings
- MSIG Home Assist Programme (Both Telephone & Mobile App)
- Worldwide Personal Liability (Optional Cover)
- Worldwide Personal Accident (Optional Cover)
- Houseowner (Optional Cover)
these benefits make this policy a comprehensive and flexible solution for homeowners looking to protect both their property and personal belongings with added flexibility for coverage options.
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Section I - Home contents
- Section II - Worldwide coverage for personal belongings
Note: Duration of cover is for 1 year. It may be renewed on each anniversary of the Date of Inception of the Policy by payment of the premium determined by the Company at the time of renewal.
- Wilful or intentional acts
- War and related risks
- Government Regulations and Acts of Authorities
- Atmospheric conditions, wear and tear, and deterioration
- Mechanical or electrical breakdown or defect
- Consequential loss or legal liability of whatsoever in nature
- Loss caused by voluntary parting of title or possession of any property by the Insured or others to whom the property may be entrusted
- Suicide, self-inflicted injury, wilful exposure to perils, and unlawful acts
- Pregnancy, childbirth, physical or mental defect or infirmity
- Hazardous sports including parachuting, hang-gliding, mountaineering, racing of any kind (exclude on foot or swimming), pot-holing, skydiving, and all professional sports
- Air travel except as a passenger in a fully licensed passenger-carrying aircraft
- Acts of Terrorism
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this Policy.
Add-on
Section III - Worldwide personal liability
Pays legal costs and expenses incurred to cover injury to members of the public and/or damage to third party property when you or your family members become legally liable.
- Worldwide, other than USA and Canada
- USA and Canada
Available with
Section IV - Worldwide personal accident (for insured only)
Covers death or total permanent disablement due to accidents anywhere in the world.
- Accidental death
- Total permanent disablement
Available with
Section V - Houseowner
Cover your private dwelling including fixtures, fittings, garages, walls, gates and the fence around your house.
It covers loss or damage to the building that caused by the following:
- Fire, lightning, thunderbolt, subterranean fire
- Explosion
- Aircraft damage
- Impact damage by road vehicles or animals
- Bursting or overflowing of water tanks, apparatus or pipes
- Theft but only if accompanied by actual forcible and violent entry or exit
- Hurricane, cyclone, typhoon or windstorm
- Earthquake or volcanic eruption
- Flood excluding loss or damage caused by subsidence or landslip
- Robbery and hold up in the premises
- Loss of rent up to the limit of 10% of total Sum Insured on building
You can extend “Section V : Houseowner” to cover loss or damage due to the following with payment of additional premium:
- Plate Glass Damage
- Damage by hurricane, cyclone, typhoon or windstorm to metal smoke stacks, awnings, blinds, signs and other outdoor fixtures and fittings including gates and fences
- Alterations and Repairs
- Subsidence and Landslip
- Riot, Strike and Malicious Damage
- Additional Rent Insurance
Available with
Section III - Worldwide personal liability
Pays legal costs and expenses incurred to cover injury to members of the public and/or damage to third party property when you or your family members become legally liable.
- Worldwide, other than USA and Canada
- USA and Canada
Available with
View allSection IV - Worldwide personal accident (for insured only)
Covers death or total permanent disablement due to accidents anywhere in the world.
- Accidental death
- Total permanent disablement
Available with
View allSection V - Houseowner
Cover your private dwelling including fixtures, fittings, garages, walls, gates and the fence around your house.
It covers loss or damage to the building that caused by the following:
- Fire, lightning, thunderbolt, subterranean fire
- Explosion
- Aircraft damage
- Impact damage by road vehicles or animals
- Bursting or overflowing of water tanks, apparatus or pipes
- Theft but only if accompanied by actual forcible and violent entry or exit
- Hurricane, cyclone, typhoon or windstorm
- Earthquake or volcanic eruption
- Flood excluding loss or damage caused by subsidence or landslip
- Robbery and hold up in the premises
- Loss of rent up to the limit of 10% of total Sum Insured on building
You can extend “Section V : Houseowner” to cover loss or damage due to the following with payment of additional premium:
- Plate Glass Damage
- Damage by hurricane, cyclone, typhoon or windstorm to metal smoke stacks, awnings, blinds, signs and other outdoor fixtures and fittings including gates and fences
- Alterations and Repairs
- Subsidence and Landslip
- Riot, Strike and Malicious Damage
- Additional Rent Insurance
Available with
View all
Building Cost Calculator (BCC)
A guide to help you in determining the estimated sum to be insured for your house.
Frequently asked questions
On top of home contents and houseowner coverage, you will be covered for worldwide coverage for personal belongings with the option to extend coverage to include worldwide personal liability and worldwide personal accident at additional premium. This Policy also provides 24-hour Home Assist Programme at no additional charges.
The cover under your mortgage fire insurance usually relates to the building structure, permanent fixtures and fittings. Improvements and additions to your home, your household contents and personal belongings may not be covered.
Valuables refer to precious metals or precious stones, jewellery, watches, curios and works of art. Each article or item is covered up to RM3,000 and in aggregate is up to 1⁄3 of the total Sum Insured on contents.
You do not need to do so. There are however specific limits applicable.
Yes, you will be paid on top of your other personal accident policies.
Downloads
All-In-Home Brochure with PDS (EN, BM)
All-In-Home Leaflet (CH)
All-In-Home Proposal Form
Home Assist Booklet
Nomination
Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay. Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.
*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.
You can nominate any individual(s) you want. HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use. Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s). Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.
How so?
Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.
To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).
Trust policy will be created:
(a) if the nominee is your spouse or child; or
(b) if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).
In such as case, you are creating a non-trust policy. Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws. If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.
In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use. Please contact MSIG if you require more information on this.
Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.
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