Our home is our haven and we would do anything to keep our home safe. Whether you’re dwelling or investing in private residence, trust SPA affliated/arranged Home Insurance to provide the necessary protections you need.

SPA affliated/arranged Home Insurance is more than just a house owner or householder plan. It is a comprehensive plan that also caters to the increasing needs for home properties such as coverage against robbery and recovery of rental income.

With broad optional benefits available at your choice and at an affordable price, SPA affliated/arranged Home Insurance provides extensive coverage for your property, home, your loved ones, and the material possessions that you hold dear to your heart. You can enjoy and live with peace of mind knowing that you are well protected by SPA affliated/arranged Home Insurance.

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我们的家是我们的避风港，我们会做什么让我们的家园安全。

无论您是居住还是投资私人住宅，信任我的首页保险提供必要的你需要保护。

我的家庭保险不仅仅是一个附加险或一家之主计划。它是一个全面的计划，

也迎合了家庭日益增加的需求如要加保性能抢劫及租金收入的恢复。

随着可在广泛的附加利益你的选择，以实惠的价格,我的家居保险提供了广泛的

承保的财产，家庭，您的亲人和你的材料你持有亲爱的你的财产心脏。

您可以享受和生活的和平的头脑知道你很好通过我的家庭保险保障。

What is subterranean fire?

"A subterranean fire burns through a tree stump or a tree and it burns what you can see, but what you're not seeing is that it is burning underground through the root system. (什么是地火？

“地下火通过树桩或树燃烧，它燃烧你能看到的东西，但你看不到的是它通过根系在地下燃烧。 )

What is subterranean fire?

"A subterranean fire burns through a tree stump or a tree and it burns what you can see, but what you're not seeing is that it is burning underground through the root system. (什么是地火？

“地下火通过树桩或树燃烧，它燃烧你能看到的东西，但你看不到的是它通过根系在地下燃烧。 )

The Company hereby agrees and declared that the insurance under the Policy shall, subject to the Special Conditions hereinafter contained, extend to include loss or damage (by fire or otherwise) to the property insured directly caused by aircraft and other aerial devices and/or articles dropped therefrom.

Provided always that all the conditions of the Policy shall apply as if they had been incorporated herein and for the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

The Company hereby agrees and declared that the insurance under the Policy shall, subject to the Special Conditions hereinafter contained, extend to include loss or damage (by fire or otherwise) to the property insured directly caused by aircraft and other aerial devices and/or articles dropped therefrom.

Provided always that all the conditions of the Policy shall apply as if they had been incorporated herein and for the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

a) loss or damage caused whilst the premises are untenanted.

Provided always that all the conditions of the Policy (except in so far as they may be hereby expressly varied) shall apply as if they had been incorporated herein and for the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

SPECIAL CONDITIONS

1. The liability of the Company shall in no case under this endorsement exceed the sum insured by each item of the policy.

2. This insurance does not cover loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever except loss of rent when such loss is included in the cover under the policy.

3. The Insured shall use all reasonable diligence and care to keep the premises in a proper state of repair and if any defect therein be discovered shall cause such defect to be made good as soon as possible and shall in the meantime cause such additional precautions to be taken for the prevention of loss or damage as the circumstances may require and the Company shall not be liable for any loss or damage caused by a defect which the Insured has failed to remedy after having received notice of such defect either from the Company or any person or public body.

Subject otherwise to the terms and conditions of the policy.

Note : It is not permissible to waive or reduce the excess.

a) loss or damage caused whilst the premises are untenanted.

Provided always that all the conditions of the Policy (except in so far as they may be hereby expressly varied) shall apply as if they had been incorporated herein and for the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or damage by fire.

SPECIAL CONDITIONS

1. The liability of the Company shall in no case under this endorsement exceed the sum insured by each item of the policy.

2. This insurance does not cover loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever except loss of rent when such loss is included in the cover under the policy.

3. The Insured shall use all reasonable diligence and care to keep the premises in a proper state of repair and if any defect therein be discovered shall cause such defect to be made good as soon as possible and shall in the meantime cause such additional precautions to be taken for the prevention of loss or damage as the circumstances may require and the Company shall not be liable for any loss or damage caused by a defect which the Insured has failed to remedy after having received notice of such defect either from the Company or any person or public body.

Subject otherwise to the terms and conditions of the policy.

Note : It is not permissible to waive or reduce the excess.

Definition of Flood

“Flood” means the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building. 

Definition of Flood

“Flood” means the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building. 

a) Untuk Kediaman Persendirian, dengan mana-mana kenderaan jalan raya atau haiwan yang bukan kepunyaan atau di bawah kawalan:-

Anda atau, ahli keluarga anda.

b) Untuk Blok Rumah Pangsa atau Pangsapuri, oleh mana-mana kenderaan jalan raya atau haiwan yang bukan kepunyaan atau di bawah kawalan:•

Anda atau, ejen atau hamba Anda; atau• Mana-mana orang yang bermastautin di Rumah Pangsa atau Pangsapuri Persendirian. 

a) For Private Dwellings, by any road vehicle or animals not belonging to or under the control of:-

You or, Your family member.                                                                             

b) For Block of Flats or Apartments, by any road vehicles or animals not belonging to or under the control of:• 

You or, Your agent or servant; or• Any person resident in the Private Flats or Apartments.

a) Untuk Kediaman Persendirian, dengan mana-mana kenderaan jalan raya atau haiwan yang bukan kepunyaan atau di bawah kawalan:-

Anda atau, ahli keluarga anda.

b) Untuk Blok Rumah Pangsa atau Pangsapuri, oleh mana-mana kenderaan jalan raya atau haiwan yang bukan kepunyaan atau di bawah kawalan:•

Anda atau, ejen atau hamba Anda; atau• Mana-mana orang yang bermastautin di Rumah Pangsa atau Pangsapuri Persendirian. 

a) 对于私人住宅，任何道路车辆或不属于或不受其控制的动物：-

您或您的家庭成员。

b) 对于公寓楼或公寓，由不属于或不受以下控制的任何公路车辆或动物：•

您或您的代理人或雇员； 或• 居住在私人公寓或公寓中的任何人。 

tetapi hanya jika disertai dengan pencerobohan masuk atau keluar secara paksa dan ganas dari bangunan atau sebarang percubaan sedemikian.  

but only if accompanied by actual forcible and violent breaking into or out of a building or any such attempt (Translation) 

但前提是伴随着实际强行和暴力闯入或闯出建筑物或任何此类企图。 

What is Covered/What is Not Covered

As an Owner, You are covered for loss of rent in the event Your Private Dwelling House as stated on the Schedule is no longer habitable, as a result of an Insured event for the period necessary for reinstatement.

As an Occupier, We will pay for reasonable additional expenses incurred at a hotel, lodging house or boarding house, as a result of an Insured event, for the period necessary for reinstatement.

The total limit of liability shall not exceed ten(10) percent of the Total Sum Insured on Buildings and/or Contents.This beneἀt is in additional to the Total Sum Insured as stated on the Schedule.

What is Covered/What is Not Covered

As an Owner, You are covered for loss of rent in the event Your Private Dwelling House as stated on the Schedule is no longer habitable, as a result of an Insured event for the period necessary for reinstatement.

As an Occupier, We will pay for reasonable additional expenses incurred at a hotel, lodging house or boarding house, as a result of an Insured event, for the period necessary for reinstatement.

The total limit of liability shall not exceed ten(10) percent of the Total Sum Insured on Buildings and/or Contents.This beneἀt is in additional to the Total Sum Insured as stated on the Schedule.

This insurance is extended to cover loss or damage to the property insured caused by:

1) subsidence and/or heave of the site on which the buildings stand or land belonging to; or

2) landslip.

Subject otherwise to the terms and conditions of the Policy.

We will not pay for loss or damage:

1) to swimming pools, terraces, patios, drives, footpaths, walls, gates, or fences unless the building, it's outbuilding. or garages are damaged by the same cause and at the same time;

2) to or resulting from the movement of solid floor slabs unless the foundation beneath the external walls of the buildings is damaged by the same cause and at the same time; 

3) Directly or indirectly caused by:is

a) Coastal or river erosion;

b) Demolition, structural alteration, or structural repair;

c) Defective design or inadequate construction of foundations.

4) This Optional Benefit is subject to the following excess, and is applicable for each and every loss:

a) 5% of the total sum insured or RM25,000.00 whichever is the lower, ascertained after the application of any condition of average.

This insurance is extended to cover loss or damage to the property insured caused by:

1) subsidence and/or heave of the site on which the buildings stand or land belonging to; or

2) landslip.

Subject otherwise to the terms and conditions of the Policy.

We will not pay for loss or damage:

1) to swimming pools, terraces, patios, drives, footpaths, walls, gates, or fences unless the building, it's outbuilding. or garages are damaged by the same cause and at the same time;

2) to or resulting from the movement of solid floor slabs unless the foundation beneath the external walls of the buildings is damaged by the same cause and at the same time; 

3) Directly or indirectly caused by:is

a) Coastal or river erosion;

b) Demolition, structural alteration, or structural repair;

c) Defective design or inadequate construction of foundations.

4) This Optional Benefit is subject to the following excess, and is applicable for each and every loss:

a) 5% of the total sum insured or RM25,000.00 whichever is the lower, ascertained after the application of any condition of average.

Notwithstanding anything to the Contrary contained in the Policy, it is hereby declared and agreed that in the event of the property insured under Buildings of the within Policy being destroyed or damaged, the basis upon which the amount payable under the Policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than the insured property when new, subject to the following Special Provisions and subject also to the terms and conditions of the Policy except insofar as the same may be varied hereby.

Special Provisions

1) The work of replacement or reinstatement (which may be carried out upon another site and in any manner suitable to Your requirements subject to Our liability not being thereby increase) must be commenced and carried out with reasonable despatch and in any case must be completed within 12 months after the destruction or damage, or within such further time as We may (during the said 12 months) in writing allow otherwise no payment beyond the amount which would have been payable under the Policy if this memorandum had not been incorporated therein shall be made. 

2) Until expenditure has been incurred by You in replacing or reinstating the property destroyed or damaged We shall not be liable for any payment in excess of the amount which would have been payable under the Policy if this memorandum had not been incorporated therein. 

3) If at the time of replacement or reinstatement the sum representing the cost which would have been incurred in replacement or reinstatement if the whole of the property covered has been destroyed exceeds the sum insured thereon at the breaking out of any ἀre or at the commencement of any destruction of or damage to such property by any other peril insured against by this Policy, then You shall be considered as being your own insurer for the excess and shall bear a rateable proportion of the loss accordingly. Each item of the Policy (if more than one) to which this Memorandum applies shall be separately subject to the foregoing provision. 

4) This Memorandum shall be without force or eᰀect if:- 

a) You fail to intimate to Us within six (6) months from the date of destruction or damage, or such further times as We may in writing allow, Your intention to replace or reinstate the property destroyed or damaged. b) You are unable or unwilling to replace or reinstate the property destroyed or damaged on the same or another site. 

5) No payment beyond the amount which would have been payable under the Policy if this memorandum had not been incorporated therein shall be made if at the time of any destruction or damage to any property insured hereunder such property shall be covered by any other insurance eᰀected by or on behalf of You which is not upon the identical basis of reinstatement set forth therein.

Optional Clause No. 9 – Reinstatement Value (Strata Titled Property) Clause

Notwithstanding anything to the contrary contained in the Policy, it is hereby declared and agreed that in the event of the property insured under Buildings of the within Policy being destroyed or damaged, the basis upon which the amount payable under (each of the said items of) the Policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than the insured property when new, subject to the following Special Provisions and subject also to the terms and conditions of the Policy except insofar as the same may be varied hereby.

Notwithstanding anything to the Contrary contained in the Policy, it is hereby declared and agreed that in the event of the property insured under Buildings of the within Policy being destroyed or damaged, the basis upon which the amount payable under the Policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than the insured property when new, subject to the following Special Provisions and subject also to the terms and conditions of the Policy except insofar as the same may be varied hereby.

Special Provisions

1) The work of replacement or reinstatement (which may be carried out upon another site and in any manner suitable to Your requirements subject to Our liability not being thereby increase) must be commenced and carried out with reasonable despatch and in any case must be completed within 12 months after the destruction or damage, or within such further time as We may (during the said 12 months) in writing allow otherwise no payment beyond the amount which would have been payable under the Policy if this memorandum had not been incorporated therein shall be made. 

2) Until expenditure has been incurred by You in replacing or reinstating the property destroyed or damaged We shall not be liable for any payment in excess of the amount which would have been payable under the Policy if this memorandum had not been incorporated therein. 

3) If at the time of replacement or reinstatement the sum representing the cost which would have been incurred in replacement or reinstatement if the whole of the property covered has been destroyed exceeds the sum insured thereon at the breaking out of any ἀre or at the commencement of any destruction of or damage to such property by any other peril insured against by this Policy, then You shall be considered as being your own insurer for the excess and shall bear a rateable proportion of the loss accordingly. Each item of the Policy (if more than one) to which this Memorandum applies shall be separately subject to the foregoing provision. 

4) This Memorandum shall be without force or eᰀect if:- 

a) You fail to intimate to Us within six (6) months from the date of destruction or damage, or such further times as We may in writing allow, Your intention to replace or reinstate the property destroyed or damaged. b) You are unable or unwilling to replace or reinstate the property destroyed or damaged on the same or another site. 

5) No payment beyond the amount which would have been payable under the Policy if this memorandum had not been incorporated therein shall be made if at the time of any destruction or damage to any property insured hereunder such property shall be covered by any other insurance eᰀected by or on behalf of You which is not upon the identical basis of reinstatement set forth therein.

Optional Clause No. 9 – Reinstatement Value (Strata Titled Property) Clause

Notwithstanding anything to the contrary contained in the Policy, it is hereby declared and agreed that in the event of the property insured under Buildings of the within Policy being destroyed or damaged, the basis upon which the amount payable under (each of the said items of) the Policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than the insured property when new, subject to the following Special Provisions and subject also to the terms and conditions of the Policy except insofar as the same may be varied hereby.

1) Jumlah Lebihan yang dinyatakan pada Jadual.

2) Kemusnahan atau kerosakan yang berlaku semasa Rumah Kediaman Persendirian tidak berpenghuni.

1) Jika Rumah Kediaman Persendirian tidak berpenghuni selama lebih daripada sembilan puluh (90) hari sama ada berturut-turut atau tidak dalam mana-mana satu tempoh insurans, perlindungan akan digantung melainkan dipersetujui oleh Kami melalui pengendorsan.

2) Kehilangan atau kerosakan akibat kecurian oleh pembantu rumah Anda atau mana-mana ahli keluarga Anda.

1) Jumlah Lebihan yang dinyatakan dalam Jadual.2) Kehilangan atau kerosakan kepada:

a) mana-mana bangunan dalam proses pembinaan, pembinaan semula atau pembaikan, melainkan semua pintu luar, tingkap dan bukaan lain lengkap dan dilindungi;b) susunan asap logam, awning, papan tanda bidai dan ἀxtur atau ἀtting luar yang lain termasuk pagar dan pagar.

Jumlah Lebihan yang dinyatakan dalam Jadual.9) Banjir

1) Jumlah Lebihan yang dinyatakan dalam Jadual.

2) Kehilangan atau kerosakan pada bangunan yang disebabkan oleh penenggelaman atau tanah runtuh, kecuali akibat gempa bumi atau letusan gunung berapi. 

1) The Excess amount stated on the Schedule.

2) Destruction or damage occurring while the Private Dwelling House is left unoccupied.

1) If the Private Dwelling House is unoccupied for more than ninety (90) days whether consecutively or not in any one period of insurance, the cover will be suspended unless agreed by Us by way of an endorsement.

2) Loss or damage due to theft by Your domestic servants or any member of Your family.

1) The Excess amount stated in the Schedule.2) Loss or damage to:

a) any building in the course of construction, reconstruction or repair, unless all outside doors, windows and other openings are complete and protected;b) metal smoke stacks, awnings, blinds signs and other outdoor ἀxtures or ἀttings including gates and fences.

The Excess amount stated in the Schedule.9) Flood

1) The Excess amount stated in the Schedule.

2) Loss or damage to buildings caused by subsidence or landslip, except as a result of earthquake or volcanic eruption.

Limits of Liability - Section A

1. We will not be liable for :

(a) Under Insured event 5 (Bursting or Overflowing of Domestic  Water Tanks, Apparatus or Pipes) for the first RM50.00.

(b) Under Insured events 7, 8 and 9 (Hurricane, Cyclone, Typhoon, Windstorm,Earthquake, Volcanic Eruption and Flood) for the first one (1) per cent of the Total Sum Insured on Buildings or RM200.00 whichever is less.

2. Limit of the amount of Our liability under Additional Benefit 

C) Compensation for Death: RM10,000.00 or one half of Total Sum Insured on Contents whichever is less.

3. Limit of the amount of Our liability under Additional Benefit 

F) Liability to the Public: RM50,000.00 any one accident or series of accidents constituting one occurrence in respect of Buildings and Contents respectively.

4. Geographical Area : Malaysia.

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Had Liabiliti - Bahagian A

1. Kami tidak akan bertanggungjawab untuk:

(a) Di bawah kejadian Diinsuranskan 5 (Tangki Air Domestik, Radas atau Paip Pecah atau Limpahan) untuk RM50.00 pertama.

(b) Di bawah kejadian Diinsuranskan 7, 8 dan 9 (Taufan, Taufan, Taufan, Ribut Angin, Gempa Bumi, Letusan Gunung Berapi dan Banjir) untuk satu (1) peratus pertama daripada Jumlah Jumlah Diinsuranskan ke atas Bangunan atau RM200.00 mengikut mana yang kurang .

2. Had amaun liabiliti Kami di bawah Manfaat Tambahan

C) Pampasan Kematian: RM10,000.00 atau separuh daripada Jumlah Diinsuranskan ke atas Kandungan yang mana kurang.

3. Had amaun liabiliti Kami di bawah Manfaat Tambahan

F) Liabiliti kepada Orang Awam: RM50,000.00 mana-mana satu kemalangan atau siri kemalangan yang membentuk satu kejadian berkenaan dengan Bangunan dan Kandungan masing-masing.

4. Kawasan Geografi : Malaysia.

Limits of Liability - Section A

1. We will not be liable for :

(a) Under Insured event 5 (Bursting or Overflowing of Domestic  Water Tanks, Apparatus or Pipes) for the first RM50.00.

(b) Under Insured events 7, 8 and 9 (Hurricane, Cyclone, Typhoon, Windstorm,Earthquake, Volcanic Eruption and Flood) for the first one (1) per cent of the Total Sum Insured on Buildings or RM200.00 whichever is less.

2. Limit of the amount of Our liability under Additional Benefit 

C) Compensation for Death: RM10,000.00 or one half of Total Sum Insured on Contents whichever is less.

3. Limit of the amount of Our liability under Additional Benefit 

F) Liability to the Public: RM50,000.00 any one accident or series of accidents constituting one occurrence in respect of Buildings and Contents respectively.

4. Geographical Area : Malaysia.

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责任限制 - A 部分

1. 我们将不承担以下责任：

(a) 受保事件 5（家用水箱、设备或管道爆裂或溢流）的首 RM50.00。

(b) 受保事件 7、8 和 9（飓风、龙卷风、台风、风暴、地震、火山爆发和洪水）下，建筑物保险总金额的第一个 (1)% 或 RM200.00，以较低者为准 .

2.我们在额外利益项下的责任限额

C) 死亡赔偿：RM10,000.00 或内容保险总金额的一半，以较低者为准。

3.我们在额外利益项下的责任限额

F) 对公众的责任：任何一次事故或构成建筑物和内容物的一系列事故的责任分别为 RM50,000.00。

4. 地理区域：马来西亚。 

Limits of Liability - Sectio

The calculator is a guide only to assist you in determining the estimated sums to be insured for residential properties, simple shop house and shop office and is not a substitute for professional advice to be obtained.

Before using the calculator, kindly note the following:

1. If any renovations have been made to your property, you are advised to indicate the amount (cost of renovation) in the box provided in the BCC.

2. If your property has unique or special design features and/or have extensive renovations and/or have complex structures affixed, you are advised to obtain professional advice for a more accurate assessment of your property.

3. If you are an individual unit owner of a non-landed property (Flat, Apartment, Serviced Apartment, Condominium), you are advised to obtain professional advice on assessment of your property. This calculator only provide a reference on the estimated rebuilding cost of the entire Flat, Apartment, Serviced Apartment, Condominium including common areas. As such it is not suitable for use by an individual unit owner wishing to insure solely his/her own unit.

---------------To access to the BCC, kindly click on the following selection:

Kalkulator adalah panduan hanya untuk membantu anda dalam menentukan anggaran jumlah yang perlu diinsuranskan untuk hartanah kediaman, rumah kedai ringkas dan pejabat kedai dan bukan pengganti nasihat profesional yang perlu diperolehi.

Sebelum menggunakan kalkulator, sila ambil perhatian perkara berikut:

Jika sebarang pengubahsuaian telah dibuat pada harta tanah anda, anda dinasihatkan untuk menyatakan jumlah (kos pengubahsuaian) dalam kotak yang disediakan di BCC.

Jika harta tanah anda mempunyai ciri reka bentuk yang unik atau istimewa dan/atau mempunyai pengubahsuaian yang meluas dan/atau mempunyai struktur kompleks yang dilekatkan, anda dinasihatkan untuk mendapatkan nasihat profesional untuk penilaian yang lebih tepat ke atas harta anda.

Jika anda pemilik unit individu bagi harta tanah tidak bertanah (Flat, Pangsapuri, Pangsapuri Servis, Kondominium), anda dinasihatkan untuk mendapatkan nasihat profesional mengenai penilaian harta tanah anda. Kalkulator ini hanya memberikan rujukan mengenai anggaran kos pembinaan semula keseluruhan Flat, Pangsapuri, Pangsapuri Servis, Kondominium termasuk kawasan umum. Oleh itu, ia tidak sesuai digunakan oleh pemilik unit individu yang ingin menginsuranskan unitnya sendiri.

Untuk mengakses BCC, sila klik pada pilihan berikut: 

Limits of Liability - Section

The calculator is a guide only to assist you in determining the estimated sums to be insured for residential properties, simple shop house and shop office and is not a substitute for professional advice to be obtained.

Before using the calculator, kindly note the following:

1. If any renovations have been made to your property, you are advised to indicate the amount (cost of renovation) in the box provided in the BCC.

2. If your property has unique or special design features and/or have extensive renovations and/or have complex structures affixed, you are advised to obtain professional advice for a more accurate assessment of your property.

3. If you are an individual unit owner of a non-landed property (Flat, Apartment, Serviced Apartment, Condominium), you are advised to obtain professional advice on assessment of your property. This calculator only provide a reference on the estimated rebuilding cost of the entire Flat, Apartment, Serviced Apartment, Condominium including common areas. As such it is not suitable for use by an individual unit owner wishing to insure solely his/her own unit.

---------------To access to the BCC, kindly click on the following selection:

Kalkulator adalah panduan hanya untuk membantu anda dalam menentukan anggaran jumlah yang perlu diinsuranskan untuk hartanah kediaman, rumah kedai ringkas dan pejabat kedai dan bukan pengganti nasihat profesional yang perlu diperolehi.

Sebelum menggunakan kalkulator, sila ambil perhatian perkara berikut:

Jika sebarang pengubahsuaian telah dibuat pada harta tanah anda, anda dinasihatkan untuk menyatakan jumlah (kos pengubahsuaian) dalam kotak yang disediakan di BCC.

Jika harta tanah anda mempunyai ciri reka bentuk yang unik atau istimewa dan/atau mempunyai pengubahsuaian yang meluas dan/atau mempunyai struktur kompleks yang dilekatkan, anda dinasihatkan untuk mendapatkan nasihat profesional untuk penilaian yang lebih tepat ke atas harta anda.

Jika anda pemilik unit individu bagi harta tanah tidak bertanah (Flat, Pangsapuri, Pangsapuri Servis, Kondominium), anda dinasihatkan untuk mendapatkan nasihat profesional mengenai penilaian harta tanah anda. Kalkulator ini hanya memberikan rujukan mengenai anggaran kos pembinaan semula keseluruhan Flat, Pangsapuri, Pangsapuri Servis, Kondominium termasuk kawasan umum. Oleh itu, ia tidak sesuai digunakan oleh pemilik unit individu yang ingin menginsuranskan unitnya sendiri.

Untuk mengakses BCC, sila klik pada pilihan berikut: