{"id":1161,"date":"2023-02-19T13:41:00","date_gmt":"2023-02-19T05:41:00","guid":{"rendered":"http:\/\/www.takaful-malaysia.com.my\/products\/takaful-myfire-copy\/"},"modified":"2025-12-30T15:53:08","modified_gmt":"2025-12-30T07:53:08","slug":"takaful-myhouseowners-householders","status":"publish","type":"products","link":"https:\/\/www.takaful-malaysia.com.my\/en\/products\/takaful-myhouseowners-householders\/","title":{"rendered":"Takaful myHouseowners &#038; Householders"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":41035,"template":"","categories":[18],"tags":[],"class_list":["post-1161","products","type-products","status-publish","has-post-thumbnail","hentry","category-housing"],"acf":{"hero":{"background_image":41031,"mobile_background_image":41033,"heading":"<span style=\"font-weight: 400;\">Takaful myHouseowners &amp; Householders<\/span>","copy":"<span style=\"font-weight: 400;\">A comprehensive protection plan to protect your home, belongings and assets<\/span>","button":{"toggle":"Yes","button_text":"Visit our nearest branch","button_link":"https:\/\/www.takaful-malaysia.com.my\/en\/contact-us\/","button_id":""},"copy_2":"The Houseowners plan covers your house structure including the walls, roof, fixtures and fittings, garages, gates and fences. The Householders plan covers your house contents like household goods, personal effects and other moveable possessions.\r\n\r\n&nbsp;\r\n\r\nThis scheme provides coverage in the event of loss or damage caused by any of the following:\r\n\r\n&nbsp;\r\n<ul>\r\n \t<li>Fire, lightning, thunderbolt, subterranean fire<\/li>\r\n \t<li>Damages caused by aircraft and impact by vehicles or animals<\/li>\r\n \t<li>Bursting or overflowing of water tanks or pipes<\/li>\r\n \t<li>Theft and burglary<\/li>\r\n \t<li>Flood, hurricane, cyclone, typhoon, windstorm<\/li>\r\n \t<li>Loss of rent<\/li>\r\n \t<li>Third party liability<\/li>\r\n<\/ul>\r\n&nbsp;\r\n\r\nIn addition, our customers will be rewarded with cash back should there be no claims within the coverage period."},"see_more_highlights":"","see_less_highlights":"","coverage_highlights":{"title":"Key Benefits","1st_highlight":{"toggle":"Yes","image":39048,"highlight_title1":"Comprehensive coverage ","copy":""},"2nd_highlight":{"toggle":"Yes","image":39041,"highlight_title2":"Cashback","copy":"Should there be no claims within the coverage period"},"3rd_highlight":{"toggle":"No","image":"","highlight_title3":"","copy":""}},"coverage_highlights2":{"toggle":"No","highlight":null},"eligibility":{"toggle":"Yes","eligibility_img":41037,"title":"Eligibility","copy":"","checkmarks":[{"checkmark_text":"Property owner"}],"notes":""},"roadside_assistance_program":{"toggle":"Yes","heading":"Support","programs":[{"image":924,"title":"PIAM Building Cost Calculator"}],"link":"https:\/\/bcc.malaysiantakaful.com.my\/","toggle_more_about_this_program_button":"Yes","more_about_this_program_button_text":"Learn More","title":"","copy":""},"how_to_apply":{"title":"How to Apply?","copy":"","btn_text":"Visit our nearest branch","btn_text2":"","link":"https:\/\/www.takaful-malaysia.com.my\/en\/contact-us\/","link2":"","button_id":"","2nd_button_id":""},"faq":{"title":"FAQ","question":[{"question_title":"How much contribution do I have to pay? ","question_content":"<span style=\"font-weight: 400;\">The total annual contribution that you have to pay will be based on the sum covered selected:\u00a0<\/span>\r\n<ol>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Houseowner\u2019s Cover \u2013 Only Construction class 1A &amp; 1B are acceptable. Subject to a minimum contribution of RM60.00<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Householder\u2019s Cover \u2013 Only Construction class 1A is acceptable. Subject to a minimum contribution of RM60.00<\/span><\/li>\r\n<\/ol>"},{"question_title":"What are the major exclusions under this product?","question_content":"<span style=\"font-weight: 400;\">This Product does not cover certain losses, such as:\u00a0<\/span>\r\n<ol>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">War, invasion, the act of a foreign enemy, hostilities or any act of terrorism.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Order of the government or Public Municipal or Local Authority.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Nuclear weapons or ionizing radiations or contaminations.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Consequential loss or damage of any nature.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Property damage to data or software<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Loss or damage due to theft by your domestic servants or any member of your family and household.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Beer, liquor, pictures of animals or things used for religious purposes such as idols.\u00a0<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">The \u201cLiability to the Public\u201d 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.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Any other events prohibited by Shariah principles.<\/span><\/li>\r\n<\/ol>\r\n&nbsp;\r\n\r\n<span style=\"font-weight: 400;\">Note: This list is non-exhaustive. Please refer to the Certificate for the full list of exclusions under this product.<\/span>"},{"question_title":"Can I cancel my certificate? ","question_content":"<span style=\"font-weight: 400;\">You may cancel your certificate at any time by giving written notice to us. Upon cancellation, you are entitled to a partial refund of the contribution provided you have not made any claim.<\/span>"},{"question_title":"Is this product protected under PIDM?","question_content":"<span class=\"ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak\" dir=\"ltr\">The benefit(s) payable under eligible product is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM\u2019s Takaful and Insurance Benefits Protection <\/span>System <a href=\"https:\/\/www.pidm.gov.my\/pidm2022\/files\/92\/92bdfcde-3534-4a29-9031-5186387623ee.pdf\"><span style=\"color: #3366ff;\">(<\/span><span style=\"color: #3366ff;\">TIPS)<\/span><\/a> Brochure or contact Takaful Malaysia or PIDM (visit <a href=\"http:\/\/www.pidm.gov.my\/en\"><span style=\"color: #3366ff;\">www.pidm.gov.my\/en<\/span><\/a>)."}]},"custreview":{"toggle":"No","title":"","":null,"review":[{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""}]},"documents_section":{"toggle":"Yes","title":"Document Download","":null,"docs_repeater":[{"file_name":"Product Disclosure Sheet ","file":544739},{"file_name":"Proposal Form","file":412378},{"file_name":"Certificate","file":412380}],"docs_repeater3":null,"docs_repeater2":null,"docs_repeater_bm":[{"file_name":"Helaian Penerangan Produk ","file":3528},{"file_name":"Borang Cadangan","file":""},{"file_name":"Sijil","file":""}],"docs_repeater3_bm":null,"docs_repeater2_bm":null}},"_links":{"self":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products"}],"about":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/types\/products"}],"author":[{"embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/users\/5"}],"version-history":[{"count":12,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1161\/revisions"}],"predecessor-version":[{"id":544741,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1161\/revisions\/544741"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/media\/41035"}],"wp:attachment":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/media?parent=1161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/categories?post=1161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/tags?post=1161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}