Be smart about what you protect
With Smart Home Cover, you can choose the level of protection that suits you, helping you to protect your home.
Whether you need house contents cover, home repair and maintenance or landlord insurance, Smart Cover offers a comprehensive range of coverage to choose from for your personal home or rental property.
Benefits
- We'll cover the cost of loss or damage to the household goods and personal effects in your home.
- We'll provide cover for malicious damage to your home caused by tenants, loss of rent and the cost of legal fees for a Demand Letter.
What your coverage includes
Take a closer look at our Smart Home Cover insurance coverage. They're all valid for a year, whichever option you choose.
HouseHolder cover >
We'll cover the cost of loss or damage to the contents in your home or rental property due to:
- fire, lightning and explosions
- impact of an aircraft, road vehicle or animal that doesn't belong to you
- windstorm, earthquake or flood, excluding an excess1 of RM50 for each item
- burst or overflowing water tanks or pipes, excluding an excess1 of RM50 for each item
- theft or burglary
We won't cover:
- loss or damage caused by a subsidence or landslip
- loss or damage when no one is living in the property
1Excesses – being the amount which is to be borne by the insured in the event of a claim, are applicable for certain perils examples bursting or overflowing of water tanks or pipes, windstorm, earthquake and flood.
| Full Value |
Sum Insured determined by customer |
Option 1 | Option 2 |
Option 3 |
Option 4 |
Option 5 |
|---|---|---|---|---|---|---|
| First Loss | Benefit Amount (RM) | 10,000 | 20,000 | 30,000 | 50,000 | 70,000 |
| First Loss |
Premium (RM) | 51.74* | 103.48* | 155.22* | 238.80* | 306.46* |
| Full Value |
First Loss |
|---|---|
| Sum Insured determined by customer |
Benefit Amount (RM) |
| Option 1 | 10,000 |
| Option 2 |
20,000 |
| Option 3 |
30,000 |
| Option 4 |
50,000 |
| Option 5 |
70,000 |
| Full Value |
First Loss |
| Sum Insured determined by customer |
Premium (RM) |
| Option 1 | 51.74* |
| Option 2 |
103.48* |
| Option 3 |
155.22* |
| Option 4 |
238.80* |
| Option 5 |
306.46* |
Note: Base of the product must consist of HouseHolder
*excludes flood prone areas
HomeFix >
For an additional premium, you can add home service and repair via Allianz Partners to help you with home repairs and maintenance.
| HomeFix |
Option 1-Benefit Amount (RM) |
Option 1-Premium (RM) | Option 2-Benefit Amount (RM) |
Option 2-Premium (RM) | Option 3-Benefit Amount (RM) |
Option 3-Premium (RM) |
|---|---|---|---|---|---|---|
| Repair of Burst Pipe | Up to 5,000 | 50 | Up to 10,000 |
75 | Up to 20,000 |
100 |
| Repair or temporary repair or replacement of Doors, Locks and Windows arising from Theft | Up to 200 | 50 |
Up to 200 |
75 |
Up to 200 |
100 |
| Domestic Help Allowance | Up to 100 | 50 |
Up to 200 |
75 |
Up to 300 |
100 |
| Home Repair/services via Allianz Partners or reimbursement basis | 50 | 50 |
60 | 75 |
80 | 100 |
| Home Care via Allianz Partners or reimbursement basis | 1,000 | 50 |
1,500 | 75 |
2,500 | 100 |
| HomeFix |
Repair of Burst Pipe |
|---|---|
| Option 1-Benefit Amount (RM) |
Up to 5,000 |
| Option 1-Premium (RM) | 50 |
| Option 2-Benefit Amount (RM) |
Up to 10,000 |
| Option 2-Premium (RM) | 75 |
| Option 3-Benefit Amount (RM) |
Up to 20,000 |
| Option 3-Premium (RM) | 100 |
| HomeFix |
Repair or temporary repair or replacement of Doors, Locks and Windows arising from Theft |
| Option 1-Benefit Amount (RM) |
Up to 200 |
| Option 1-Premium (RM) |
50 |
| Option 2-Benefit Amount (RM) |
Up to 200 |
| Option 2-Premium (RM) |
75 |
| Option 3-Benefit Amount (RM) |
Up to 200 |
| Option 3-Premium (RM) |
100 |
| HomeFix |
Domestic Help Allowance |
| Option 1-Benefit Amount (RM) |
Up to 100 |
| Option 1-Premium (RM) |
50 |
| Option 2-Benefit Amount (RM) |
Up to 200 |
| Option 2-Premium (RM) |
75 |
| Option 3-Benefit Amount (RM) |
Up to 300 |
| Option 3-Premium (RM) |
100 |
| HomeFix |
Home Repair/services via Allianz Partners or reimbursement basis |
| Option 1-Benefit Amount (RM) |
50 |
| Option 1-Premium (RM) |
50 |
| Option 2-Benefit Amount (RM) |
60 |
| Option 2-Premium (RM) |
75 |
| Option 3-Benefit Amount (RM) |
80 |
| Option 3-Premium (RM) |
100 |
| HomeFix |
Home Care via Allianz Partners or reimbursement basis |
| Option 1-Benefit Amount (RM) |
1,000 |
| Option 1-Premium (RM) |
50 |
| Option 2-Benefit Amount (RM) |
1,500 |
| Option 2-Premium (RM) |
75 |
| Option 3-Benefit Amount (RM) |
2,500 |
| Option 3-Premium (RM) |
100 |
Landlord insurance >
If you're a landlord, you can extend the cover for your property for an additional premium. This includes:
- Malicious damage by tenant
- Tenant runaway
- Legal Fees for Letter of Demand
| Landlord Insurance |
Option 1-Benefit Amount (RM) |
Option 1-Premium (RM) | Option 2-Benefit Amount (RM) |
Option 2-Premium (RM) | Option 3-Benefit Amount (RM) |
Option 3-Premium (RM) |
|---|---|---|---|---|---|---|
| Malicious Damage by Tenant | Up to 2,000 | 51 | Up to 2,000 |
181 | Up to 2,000 |
439 |
| Tenant Runaway | N/A | 51 |
RM500 per incident, limited to twice a year | 181 | RM1,500 per incident, limited to twice a year |
439 |
| Legal Fees for Letter of Demands | Limited to twice a year | 51 |
Limited to twice a year |
181 | Limited to twice a year |
439 |
| Landlord Insurance |
Malicious Damage by Tenant |
|---|---|
| Option 1-Benefit Amount (RM) |
Up to 2,000 |
| Option 1-Premium (RM) | 51 |
| Option 2-Benefit Amount (RM) |
Up to 2,000 |
| Option 2-Premium (RM) | 181 |
| Option 3-Benefit Amount (RM) |
Up to 2,000 |
| Option 3-Premium (RM) | 439 |
| Landlord Insurance |
Tenant Runaway |
| Option 1-Benefit Amount (RM) |
N/A |
| Option 1-Premium (RM) |
51 |
| Option 2-Benefit Amount (RM) |
RM500 per incident, limited to twice a year |
| Option 2-Premium (RM) | 181 |
| Option 3-Benefit Amount (RM) |
RM1,500 per incident, limited to twice a year |
| Option 3-Premium (RM) | 439 |
| Landlord Insurance |
Legal Fees for Letter of Demands |
| Option 1-Benefit Amount (RM) |
Limited to twice a year |
| Option 1-Premium (RM) |
51 |
| Option 2-Benefit Amount (RM) |
Limited to twice a year |
| Option 2-Premium (RM) | 181 |
| Option 3-Benefit Amount (RM) |
Limited to twice a year |
| Option 3-Premium (RM) | 439 |
For other key terms and conditions, please refer to the Product Disclosure Sheet in the link below.
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Things you should know
The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document. Smart Home Cover ("this Plan") is underwritten by Allianz General Insurance Company (Malaysia) Berhad (Company No. 200601015674 (735426-V )) ("Allianz General") and HSBC Bank Malaysia Berhad ("HSBC Malaysia") is the intermediary in distributing this Plan. This Plan is exclusively for HSBC Malaysia Credit and Debit Cardholders only. Please read and understand the Product Disclosure Sheet (PDS), Brochure and Policy Wording before signing up.
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