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Get Protected with Home Insurance (Home Easy by Tune Protect) Program

While you work on making your house a home, let us work on protecting it. Enjoy bigger savings with our fire insurance that’s flexible, giving you the freedom of personalising your home insurance.

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Discover the Benefits

  • Building
  • Home Contents
  • Building + Home Contents

Houseowner (Building)

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.

Product Coverage

  • Fire, Lightning, Storm,
  • Landslide
  • Explosion
  • Bursting Pipes
  • Flood
  • Robbery related damages

Householder (Contents)

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.

Product Coverage

  • Fire, Lightning, Storm,
  • Landslide
  • Explosion
  • Bursting Pipes
  • Flood
  • Robbery related damages

Get protected for your residential building, your household content, and personal effects.

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 (Contents)

Sum Insured Options:

RM25,000 | RM40,000 | RM50,000

Product Coverage

  • Fire, Lightning, Storm,
  • Landslide
  • Explosion
  • Bursting Pipes
  • Flood
  • Robbery related damages
View Coverage Comparison

Product & Coverage Comparison

Coverage HouseOwner
(Building)		 HouseHolder
(Contents)		 HouseOwner & HouseHolder
(Building & Contents)
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  
Add-Ons (subject to additional Premium)
Riot, Strike and Malicious Damage  
Landslide and Subsidence cover  
Plate Glass damage  

Top Up Packs (Optional)

Looking for more coverage? Choose any of our Top Up Packs to personalise your home coverage.

  • 1

    Landlord Insurance Pack

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

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    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
  • 2

    Mortgage Loan Protection Pack

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

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    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
  • 3

    Home Care Pack

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

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    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
  • 4

    Smart Home Devices Protection Pack

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

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    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
  • 5

    Personal Liability

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

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    Benefit(s) Sum Insured
    Personal Liability Indemnity up to RM250,000
    Annual Premium RM50
Download Leaflet

Free Complimentary Benefit

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.

How to buy?

1

Register as user and claim the RM18 voucher via Atome app

2

Click Purchase Now button

3

Fill in the Participant Particulars & necessary details

4

Choose Atome to pay

(Kindly download Atome app if you’re a new user)

Submitting a Claim? Here's How

1

Download and fill up the claim form.

Download Claim Form

2

Submit the claim form along with the supporting documents to cs@metafin.com.my

3

Your claim will be reviewed accordingly and if approved.

Save more with Atome voucher

From RM56* x 3 payments

Purchase Now

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 our additional add-on package available under eHomeSavers 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.

Become a MetaFin user to enjoy exclusive privileges!

Important Documents

Product Disclosure Sheet
Policy Wording
Claim Form

Disclaimer: Home Insurance (Home Easy by Tune Protect) is underwritten by Tune Insurance Malaysia Berhad registered by PIAM and Pathlab Health Management (M) Sdn. Bhd. has been appointed to act as an agent. The information may not fully reflect the context of the product disclosure sheet and full terms of the policy. Please refer to the policy documents for a detailed description of the product’s features and conditions without any claims are made. MetaFin is not liable for misinterpretation of the product benefits and claim conditions as described in the policy wording sheet and policy disclosure sheet. For any claims assistance, complains or product information, please contact us at productinquiry@phm.com.my for further assistance.

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