Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt thereat.

Hurricane, cyclone, typhoon, windstorm

Earthquake, volcanic eruption

Flood but excluding loss or damage caused by subsidence or landslip.

Rent (Up to 10% of the Total Sum Insured on Contents)
The Company will indemnify the Insured for the undermentioned loss actually incurred by the Insured in consequence of the premises specified in the policy schedule being so damaged as to be rendered uninhabitable but only in respect of the period necessary for reinstatement.

Liability to the Public (Up to RM50,000 any one accident)
The Company will indemnify the Insured against all sums for which the Insured may be held legally liable as a Private Householder occupying the Private Dwelling House in respect of accidents in respect of accidents in or about the Private Dwelling House, occurring during the Period of Insurance and resulting in:
i) Bodily injury to any person not being a member of the Insured's family or household nor at the time of sustaining such injury engaged in the Insured's service
ii) Damage to property not belonging to or in the charge of or under the control of the Insured or of a member of his family or householder or of a person in his service.

The rates shown hereunder are Annual Premium rates per cent, applicable to contents in Private Dwelling Houses constructed of brick or concrete walls, roof of tiles or concrete or other non-combustible materials and floors of reinforced concrete (classified as construction class 1A).

Type of Dwelling

Rate

Illustration of Premium Due for Sum Insured of RM100,000 (in RM)

Detached and non-detached dwelling;

0.398%

398.00