Secure Your Property With
Comprehensive Home Insurance

10% OFF Smart Saver Season

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House & Fire Insurance
As low as RM63*
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Home Contents Insurance
As low as RM68*
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Authorised Insurance Agency:

Pathlab Health Management

Underwritten By:

Tune Protect

Discover The Benefits

Houseowner (Building)

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Covers your residential building1 including garages, fixtures and fittings, walls, gates as well as fences around the premise. For an estimate of how much coverage you need, you may use the Building Cost Calculator by Persatuan Insurans Am Malaysia (PIAM).

1: all domestic offices, stables; garages and outbuildings on the same Premises used solely in connection to it and on the same Premises; fixtures and fittings; walls, gates and fences around the Premises.

Key Coverages

  • Fire, lightning, thunderbolt, subterranean fire
  • Explosion
  • Impact damage by road vehicle or animals
  • Bursting or Overflowing of Domestic Water Tanks, Apparatus or Pipes
  • Flood
  • Theft with actual forcible and violent breaking into or out of a building or any such attempt
home content

Householder (Home Contents)

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Protection for your household content1 and personal effects2 which belongs to you or members of your family.

Sum Insured Options: RM25,000 | RM40,000 | RM50,000

1: furniture, pianos, household appliances, television sets and more.

2: personal items regularly worn or carried on the person for his/her personal use, for example, clothing, watch, wallet.

Key Coverages

  • Fire, lightning, thunderbolt, subterranean fire
  • Explosion
  • Impact damage by road vehicle or animals
  • Bursting or Overflowing of Domestic Water Tanks, Apparatus or Pipes
  • Flood
  • Theft with actual forcible and violent breaking into or out of a building or any such attempt

Houseowner (Building)

For an estimate of how much coverage you need, you may use the Building Cost Calculator by Persatuan Insurans Am Malaysia (PIAM).

Householder (Home Contents)

Sum Insured Options: RM25,000 | RM40,000 | RM50,000

Key Coverages

  • Fire, lightning, thunderbolt, subterranean fire
  • Explosion
  • Aircraft and Other Aerial Devices and/or articles dropped therefrom
  • Impact damage by road vehicle or animals
  • Bursting or Overflowing of Domestic Water Tanks, Apparatus or Pipes
  • Theft with actual forcible and violent breaking into or out of a building or any such attempt
  • Hurricane, Cyclone, Typhoon, Windstorm
  • Earthquake, Volcanic Eruption
  • Flood
  • Robbery & Hold Up in the Premises of your property
  • Contents Temporarily Removed from your private property
  • Breakage to Mirrors
  • Compensation for Death
  • Domestic helper’s belongings

Enjoy COMPLIMENTARY Personal Liability Coverage (up to RM250,000) with purchase of both Houseowner (Building) and Householder (Contents)

For a complete list of coverage benefits, please refer to the Policy Wording

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Top-Up Packs

Power up
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Protection against loss of rental income, unoccupied premise and damage to content by your tenant.

Benefit(s) Sum Insured
Loss of Rental Income due to Tenant Runaway RM1,000 per incident, limit twice a year
Malicious Damage by Tenant Up to RM2,000
Unoccupancy Period (Due to Theft)
  • 90 days in excess of Section 2 - Householder (Content) or
  • 90 days
Legal Fees for Letter of Demand Up to RM1,000
Annual Premium RM250

Covers your monthly loan instalment in the event your house is temporarily uninhabitable due to accidental death or total permanent disablement.

Benefit(s) Sum Insured
House Deemed Temporary Uninhabitable Reimbursement of monthly instalment up to RM15,000 or 6 months
Accidental Death or Permanent Total Disablement of Insured Person Reimbursement of monthly loan instalment up to RM15,000 or 6 months
Annual Premium RM25

Reimbursement for pipe burst, damage caused by termite, replacement doors, locks or windows due to theft and also cleaning allowances.

Benefit(s) Sum Insured
Repair of burst pipe Up to RM1,000
Loss or Damage to fixtures and fittings caused by termite Up to RM500
Repair or temporary repair of replacement of Doors, Locks and Windows arising from Theft Up to RM500
Domestic Helper Allowance Up to RM200
Annual Premium RM50

Covers your smart home devices due to destruction or damage caused by any accident.

Benefit(s) Sum Insured
Destruction of or damage to the Smart Home Device Up to RM10,000 (subject to RM2,000 per article limit)
Annual Premium RM65

Covers your legal liability to third parties including legal cost and expenses in respect of bodily injury and property damage.

Benefit(s) Sum Insured
Personal Liability Indemnity up to RM250,000
Annual Premium RM50
Policy Wording Product Disclosure Sheet
Complimentary Benefits

More Special Perks

Home Assistance Program

From routine maintenance to urgent interventions, the Home Assistance Program offers a comprehensive suite of services that provides a peace of mind for any unexpected challenges that homeowners may face. With just one call away, get complimentary Emergency Home Assistance (up to a maximum of 2 events per year with maximum limit of RM300 per event).

Eligible for Home Easy policy members.

Free Personal Liability

Free Personal Liability

Get this extra benefit for FREE when you purchase both Houseowner (Building) and Householder (Contents) insurance.

Personal Liability1 coverage – up to RM250,000

1: Covers your legal liability to third parties including legal cost and expenses in respect of bodily injury and property damage.

Leaflet (Home Assistance) Fact Sheet (Home Assistance)

Contact 03-79653839 for direct emergency assistance.

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Hassle-Free Claims

Submit your claim
easily without worries!

01
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Download & fill in
the claim form.

Claim Form
02
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Submit the nomination form along with the supporting documents to cs@metafin.com.my

03
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Your claims will be submitted to the insurer for assessment.

FAQ

Frequently Asked Questions

What is Home Insurance (Home Easy by Tune Protect)?

Home Insurance (Home Easy by Tune Protect) is an online Houseowner & Householder insurance, providing coverage for your building & home content against loss or damage by fire, lightning, explosions, flood, burst pipe, or by any perils mentioned in the policy.

What are the additional coverages under Home Insurance (Home Easy by Tune Protect)?

In addition to standard Houseowner & Householder insurance, Home Insurance (Home Easy by Tune Protect) provides reimbursement of an increase in water bill arising from a burst pipe. You can also purchase additional add-on package available under Home Insurance (Home Easy by Tune Protect) by paying an additional premium. The package includes Landlord Insurance Pack, Mortgage Loan Protection Pack, Home Care Pack, & Smart Home Device Protection Pack.

Do I need to purchase both Home & House Contents under Home Insurance (Home Easy by Tune Protect)?

We allow the flexibility to purchase either Section 1 – Houseowner or Section 2 – Householder or both sections. Personal Liability (coverage up to RM250,000) will be given as complimentary when you purchase both Section 1 & 2 with us.

Can I pay an extra premium to get coverage under Section 4 – Personal Liability?

Yes, you can pay an additional premium of RM50 for Personal Liability (coverage up to RM250,000), if only purchase Section 1: Houseowner or Section 2: Householder.

What are the additional perils or extension available for Home Insurance (Home Easy by Tune Protect)?

  • • Subsidence and landslip
  • • Riot, strike and malicious damage
  • • Accidental damage to Plate Glass

I am staying in a wooden house, can I purchase Home Insurance (Home Easy by Tune Protect)?

Currently, Home Insurance (Home Easy by Tune Protect) application only accepts houses that are constructed of brick/concrete walls, reinforced concrete floor and roofed with tiles/concrete/asbestos, and are solely used for private residential purposes.

How do I decide my Sum insured?

The sum insured for your property must be the actual cost of rebuilding including any renovation and inflation to avoid underinsurance. You may use Building Cost Calculator from PIAM https://piam.org.my/building-cost-calculator-bcc/ as your reference. It is important to get your Sum Insured right to avoid under insurance.

Can I cancel my policy?

You may cancel your policy at any time by giving written notice to us in which case we shall retain the customary short period rate for the time has been in force. Upon cancellation, you are entitled to a refund premium subject to the minimum premium to be retained by the company. No refund of premium will be allowed if there is a claim under the policy.

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References

Important Documents

Leaflet (Home Easy) Leaflet (Home Assistance) Home Assistance (Fact Sheet) Product Disclosure Sheet Policy Wording Claim Form

Disclaimer: MetaFin is a neutral digital platform, serving solely as a facilitator and marketplace and not a product provider. MetaFin facilitates listings independently offered by licensed corporate insurance and takaful agencies, and other service providers directly to end users. MetaFin does not endorse, or manage any insurance or takaful products. Each corporate agency is fully responsible for its own product content, compliance, and transactions conducted through the MetaFin platform. Participating agencies must comply with Financial Services Act 2013 (FSA) and/or the Islamic Financial Services Act 2013 (IFSA) by Bank Negara Malaysia (BNM).

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