Essentially, PrOrumah is a combination of both our Houseowner and Householder policies at 30% cheaper. It protects your house and/or its contents from loss or damage from various causes such as fire, lightning, theft and more.

Yes, you can.

Yes, but we recommend renewing with PrOrumah once your existing policy has expired.

You can purchase PrOrumah by using our mobile application (POI2U), visiting our website or by calling our call centre.    

There are currently 3 plans available:

• Building; protects your house.
• Contents; protects your belongings.
• Contents & Building; protects both your house and belongings. 

What you pay for your PrOrumah insurance policy depends on the type of building and the sum insured that you select.

The minimum amount that you can pay for the premium is RM60.

Yes, you will be charged a stamp duty of RM10 and the standard Sales & Service Tax (SST) of 6% on your premium.

However, please note that you will have a 15% discount on your premium if you purchase PrOrumah through our POI2U app, website, call centre or counter.

Yes, there are a few. The major exclusions are:

• War, civil war and any act of terrorism.
• Radioactive and nuclear energy risks.
• Date recognition.
• Property damage to data or software.

Please note that this is not the full list of exclusions. Please refer to the policy contract for full terms and conditions.

Yes, you can. You should give us written notice that you want to. Once cancelled, you can get a refund of your premium paid which is based on us retaining the customary short-term premium or minimum premium.

No, there are none. You only need to pay for the final quotation amount.

We have provided a Sum Insured calculator for you to determine this in your quotation on the POI2U app or website screen.

This calculator will give you an estimate of your property’s value based on various information provided such as address, building type and property square feet size.

There are 3 plans available for the PrOrumah Contents Plan. You can choose one from any of these plans to determine the overall insured sum of your items.

Depending on the plan chosen, there is a defined sum insured allowable for each specific item as shown below:

A.     Normal items (excluding furniture, pianos, organs, household appliances, radios, television sets, video recorder sets and Hi-Fi equipment)

Contents Plan                   Maximum Sum Insured per Item

RM50,000 Plan                 RM2,500 per Item

RM100,000 Plan               RM5,000 per Item

RM200,000 Plan               RM10,000 per Item

B.     Platinum, gold and silver articles, jewellery and furs

Contents Plan                   Maximum Sum Insured per Item

RM50,000 Plan                 RM16,667 per Item

RM100,000 Plan               RM33,333 per Item

RM200,000 Plan               RM66,667 per Item

The PrOrumah policy will be valid for one (1) year from your date of purchase.

There are four (4) additional coverages offered with PrOrumah, which you can choose from to add to your premium at an additional cost. 

No.Additional CoveragePrOrumah PlanOfferings1Subsidence & LandslipAllCover property loss or damage due to subsidence of building site or landslip2Increase Limits of Liability to RM100,000AllIn events where your legal liability is incurred, the limits has been increased to RM100,0003Extended Theft CoverContents OnlyExtended coverage for theft to cover banks, safe deposit and any building where you or your family is residing4Plate Glass DamageBuilding OnlyCover accidental breaking of plate glass