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SmartHome Optimum (Enhanced)

Safeguard your home and valuable contents

Benefits

Building: Houseowner (Main Covers)

  • Loss or damage to your building due to fire, lightning, explosion, aircraft damage, impact damage, bursting or overflowing of domestic water tanks or pipes, theft (accompanied by actual forcible and violent breaking into or out) hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption, flood and robbery.
  • Loss of rent / Costs of temporary accommodation
  • Owner’s / Tenant’s Liability
  • Removal of debris

Contents: All Risk (Main Covers)

  • Loss or damage to Contents due to all risks including Personal Effects belonging to You or to members of Your Family permanently residing with you whilst contained in Your Building specified in in the Schedule used solely for residential purposes

Additional benefits:

  • Loss of money due to theft
  • Cost of replacing keys/locks due to housebreaking
  • Deterioration of food in the freezer
  • Cost of replacing legal documents
  • Loss of damage to contents during temporary removal
  • Loss or damage to water tank/filter installed outside building
  • Cost of repairing burst water pipe including hacking
  • Emergency Cash Allowance
  • Fraudulent Use of Credit/ATM Card
  • Fraud or Dishonesty of Domestic Servant
  • Fire Extinguishment Expenses

Worldwide Personal (Rider Options)

All Risks

  • Cover loss or damage of personal effects

Main Covers

  • Building: Houseowner
    • Loss or damage to your building due to fire, lightning, explosion, aircraft damage, impact damage, bursting or overflowing of domestic water tanks or pipes, theft (accompanied by actual forcible and violent breaking into or out) hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption, flood and robbery.
    • Loss of rent / Costs of temporary accommodation
    • Owner’s / Tenant’s Liability
    • Removal of debris
    • Architect, Surveyor and Consultant’s fees
  • Contents: All Risk
    • Loss or damage to Contents due to all risks including Personal Effects belonging to You or to members of Your Family permanently residing with you whilst contained in Your Building specified in in the Schedule used solely for residential purposes
    • Additional benefits:
      • Loss of money due to theft
      • Cost of replacing keys/locks due to housebreaking
      • Deterioration of food in the freezer
      • Cost of replacing legal documents
      • Loss of damage to contents during temporary removal
      • Loss or damage to water tank/filter installed outside building
      • Cost of repairing burst water pipe including hacking
      • Emergency Cash Allowance
      • Fraudulent Use of Credit/ATM Card
      • Fraud or Dishonesty of Domestic Servant
      • Fire Extinguishment Expenses

Rider Options

Grow your savings with competitive interest rate

  • Worldwide Personal All Risks
    Cover your personal effects, e.g. jewelry, watches, cameras, etc.

  • Worldwide Family Liability
    Indemnify against third party accidental bodily injury or accidental damage to property.

Worldwide Family Liability (Rider Options)

Indemnify against third party accidental bodily injury or accidental damage to property

Eligibility

  • Customers of Affin Bank
  • Applicable for houses used as private dwellings.

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