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Things to consider when choosing home insurance

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As the largest asset most people will ever own, the house requires adequate insurance coverage to cover against unexpected loss. Insufficient home insurance coverage can result in long-term financial hardship for the homeowner.

Getting the best home insurance can sometimes be a daunting task. While cheap home insurance is not as the same as affordable home insurance, it is imperative that the homeowner conduct thorough research before buying one.

Here are the things that one should be considering before purchasing a home insurance:


  1. Types of coverage

    Read carefully on what is included in the coverage and check if it contains the coverage you need most. For example: if your house is located at a high-risk flood zone, you may need to choose a home insurance that offers flood coverage.

  2. Amount of sum insured

    You must ensure that your property is insured at the appropriate amount taking into account the renovations made to your property. Please ensure that the sum insured is adequate, otherwise, you would need to bear a rateable proportion of the loss accordingly.

  3. Claim process

    Make sure the claim process is transparent and straight forward. In the event of loss, of course you would want to get the disbursement of claims as soon as possible, so that you can repair your home immediately.

  4. Policy’s fine print

    Never forego reading the policy’s terms and conditions thoroughly. From associated fees and charges to coverage exclusions and limitations, be sure to read the policy documents carefully. If there’s anything that you don’t understand or need to be changed, get in touch with your agent.


Source: - A Beginner’s Guide to Buying Home Insurance in Malaysia


If you are still unsure about choosing the right insurance coverage for your home, why not choose Home Insurance from Chubb? Chubb’s Simply Home is a customizable insurance solution that comes with value-added benefits at no additional cost to ensure that your house and its contents are protected round the clock.

Find out more about Simply Home now!


Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS brochure or contact Chubb Insurance Malaysia Berhad or PIDM (visit

This content is brought to you by Chubb Insurance Malaysia Berhad, Registration No. 197001000564 (9827-A) (“Chubb”) as a convenience to readers and is not intended to constitute advice or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained at, through your broker or by contacting any of the Chubb offices or Chubb agents. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of this content. It is the responsibility of the reader to evaluate the quality and accuracy of material herein.

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