Home and Property / 房屋和财产

Protects your home and its contents against loss or damage. / 保护您的家及其物品免遭损失或损坏。

Why Houseowners/ Householders / 为什么是房主/户主

Comprehesive Protection / 全面保护

Loss or damage to your home and its contents due to toby fire, lightning, or explosion caused by the gas used for domestic purposes. / 由于家用燃气引起的火灾、雷击或爆炸，导致您的房屋及其物品遭受损失或损坏。
Compensation for fatal injury caused occurring through visible violence caused by thieves, or by fire. / 因盗窃、火灾等可见暴力行为造成的致命伤害的赔偿。
Extended coverage to metal smokestacks, awnings, blinds, etc., against hurricanes, cyclones, typhoons, or windstorms.  / 扩大覆盖范围，包括金属烟囱、遮阳篷、百叶窗等，以抵御飓风、气旋、台风或风暴。

Key Coverage Overview / 重点报道概述

Standard Cover /标准封面

This policy covers /该政策涵盖

Loss or damage to your building or contents due to / 由于以下原因导致您的建筑物或物品丢失或损坏
- fire / 火
- lightning / 闪电
- explosion caused by gas used for domestic purposes / 民用燃气爆炸

Loss or damage to your building or contents by / 您的建筑物或物品的损失或损坏
- aircraft, road vehicles or animals / 飞机、道路车辆或动物
- bursting or overflowing of water tanks or pipes / 水箱或水管爆裂或溢流
- theft by forcible and violent entry / 强行或暴力入室盗窃
- windstorm, earthquake and flood / 风暴、地震和洪水

Loss of rent / 租金损失

Liability to third parties for accidents in your house / 房屋事故对第三方的责任

Property temporarily removed within Malaysia / 马来西亚境内暂时移走的财产

Damage to mirrors / 镜子损坏

Compensation for fatal injury occurring by visible violence caused by thieves or by fire / 因盗窃或火灾造成的明显暴力而导致的致命伤害的赔偿

Servants’ property / 仆人的财产

Extension of Cover / 保险范围的延伸

For an additional premium, you may extend coverage to these following risks / 支付额外保费，您可将保障范围扩大至以下风险
- subsidence, landslip / 地面沉降、山体滑坡
- riot, strike and malicious damage / 暴乱、罢工和恶意破坏
- bush/lalang fire, damage by falling trees or branches and objects / 丛林/灌木丛火灾，树木或树枝倒塌造成的损坏以及物体坠落造成的损坏

Extended coverage to metal smoke stacks, awnings, blinds, etc. against / 扩大覆盖范围，涵盖金属烟囱、遮阳篷、百叶窗等
- hurricane / 飓风
- cyclone / 气旋
- typhoon / 台风
- windstorm / 风暴

Alterations, repairs and additions / 改建、维修和增建

Extended theft cover / 扩展盗窃保险

Increased limit of liability to third parties for accidents in your house / 提高房屋事故中第三方责任限额

How much is my premium? / 我的保费是多少？

Your premium may vary, depending on / 您的保费可能会有所不同，具体取决于

The cover selected / 选定的封面
The coverage amount / 覆盖金额
Our underwriting requirements / 我们的承保要求

Building Cost Calculator (BCC) / 建筑成本计算器（BCC）

The calculator is only a guide to assist you in determining the estimated sums to be insured for residential properties, simple shophouses and shop offices, and is not a substitute for professional advice. / 该计算器仅供参考，帮助您确定住宅物业、简易店屋和商店办公室的预计投保金额，不能替代专业建议。

Before using the calculator, kindly note:  / 使用计算器前，请注意：

If any renovations have been made to your property, you are advised to indicate the amount (cost of renovation) in the box provided in the BCC. / 如果您的房产进行了任何装修，建议您在 BCC 提供的方框中注明金额（装修费用）。
If your property has unique or special design features and/or have extensive renovations and/or have complex structures affixed, you are advised to obtain professional advice for a more accurate assessment of your property. / 如果您的房产具有独特或特殊的设计特色和/或进行了大规模的装修和/或安装了复杂的结构，建议您寻求专业建议，以便对您的房产进行更准确的评估。

To access the BCC: http://www.piam.org.my/consumer/industry/building-cost-calculator-bcc/

What we don’t cover / 我们不涵盖的内容

❌ War, civil war and any act of terrorism / 战争、内战和任何恐怖主义行为

❌ Radioactive and nuclear energy risks / 放射性和核能风险

❌ Date recognition / 日期识别

❌ Property damage to data or software / 数据或软件的财产损失

❌ The ‘Liability to the Public’ section does not cover any asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos. / “公众责任”部分不涵盖因使用、存在、存在、检测、移除、消除或避免石棉或接触或潜在接触石棉而造成的任何与石棉有关的伤害或损害。

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy. / 此列表并非详尽无遗。请参阅保单合同样本，了解本保单的完整免责条款列表。

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保护重要之物 — 立即获取您的个性化保险计划！

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