Introduction

With IKHLAS HOUSEOWNER/HOUSEHOLDER TAKAFUL, you are assured of comprehensive protection for your house (including the contents). Rest assured you will have peace of mind as your assets are securely covered.

What does IKHLAS Houseowner/Householder cover?

Ikhlas Houseowner/Householder is designed to cover your property against the following perils:

• Fire
• Lighting
• Explosion
• Aircraft damage
• Impact damage
• Bursting and overflowing of water tanks
• Theft (by forcible entry only)
• Hurricane, cyclone, typhoon, windstorm
• Earthquake, volcanic eruption
• Flood
• Loss of rent (not exceeding 10% of the total sum covered)
• Personal Public Liability

Note: Items 8, 9 & 10 above excludes 1% of the total sum covered on buildings or the first RM200 of each and every loss whichever is the less.

IKHLAS Houseowner Certificate

This takaful plan covers the BUILDING of your home against loss or damage by contingencies No. 1 to 12 listed above.

IKHLAS Householder Certificate

This takaful plan covers the CONTENTS of your home, such as furniture, furnishings, household goods, kitchen equipment and other appliances, television and radio sets, and other similar equipment, clothing, personal effects and valuables.

It covers the same contingencies under the Houseowner Certificate (items 1 to 12), PLUS additional coverage against:

• Breakage of mirrors (other than hand mirrors) whilst in your home
• Compensation for death of the Participant
• Servants’ property

Optional Benefits with additional contributions

• Riot, Strike & Malicious Damage
• Additional rent coverage
• Public Liability – additional limits
• Theft without limitation of being accompanied by actual forcible and violent breaking into and/or out of your home (householder only)