In Commerce Assurance, we also design insurance cover which combines both Houseowners and Householders insurance. This policy provides cover for loss or damage arising from specified perils to buildings occupied as private dwellings and the content of a private dwelling respectively. The Houseowner and Householder Insurance covers Private Dwellings against perils allowed by the Malaysian Revised Fire Tariff, as follow:

	Fire, Lightning, Thunderbolt and Subterranean Fire;
	Explosion;
	Aircraft and other aerial devices and/or articles dropped therefrom;
	Impact with any of the buildings by any road vehicles or animals not belonging to or under the control of the Insured or any member of his family;
	Bursting or Overflowing of Domestic Water Tanks, Apparatus or Pipes excluding: i) the first RM50.00 of each loss ii) destruction or damage occurring while the Private Dwelling House is left untenanted;
	Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt thereat;
	Hurricane, Cyclone, Typhoon, Windstorm;
	Earthquake and Volcanic Eruption;
	Flood but excluding loss or damage caused by subsidence or landslip;

Other contingencies covered are:

i) Houseowners Policy (Buildings):-
	Rent Insurance (10% of the total sum insured)
	Liability to the public
ii) Householders policy (Contents):-
	Rent Insurance (10% of the total sum insured)
	Liability to the public
	Compensation for death of the Insured
	Servants’ property
	Breakage of Mirrors (excluding hand mirrors)

	Riot, Strike and Malicious Damage
	Subsidence and Landslip
	Plate Glass not exceeding RM1,000 per piece in value
	Unoccupancy of Premises for more than 90 days
	Full Theft
	Additional Rent Insurance

Please read the policy carefully.