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SmartHome Optimum (Enhanced) - SHOE is a home insurance plan that is designed to secure your valuable contents and household belongings from damages caused by fire, lightning, flood, burst pipes, and other natural disasters according to your need.
Benefits also include additional 24-hour worldwide cover option for yourself, your personal belongings and your family against third party’s (other person) claim for accidental bodily injury or property damage through negligence caused by you, your immediate family members or your domestic helper.
Claimable up to RM 500,000 or more! Depending on the various packages you choose from.
Unexpected accidents or disaster to your home can be financially and emotionally distressful for you and your family.
But with SmartHome Optimum (Enhanced) Insurance, you can now protect your home and valuable belongings with one easy plan designed according to your needs even when you are outside your home premises or any part of the world.
Mobile phones, laptops, tablets, gaming consoles and home appliances like washing machine, fridge and many others are included in this category.
Costly jewellery, branded bags, watches, rings, necklaces, bracelets, gold and other ornaments can also be insured under jewellery as per item loss.
Insure your musical instruments, collectable items such as clothes, antiques, lego sets, figurines, artworks and other collectable items up to RM10,000 per item.
This list is just a reference of complimentary benefits included in SHOE Home Contents All Risk. The final approval of claims is subjected to terms and conditions of SmartHome Optimum (Enhanced) packages and policy.
Every home is different based on your home size and needs of each person.
Refer below on our available plans and what you're covered for:
|Home Contents All Risks|
(Cover personal and
|Max. sum insured||50,000||100,000||150,000||200,000||250,000||30,000 and above|
|Claim Limit per item||5,000||10,000||15,000||20,000||25,000||10% of Sum Insured|
(Jewellery Premium 1/3 Sum insured)
(Jewellery Premium 1/2 Sum insured)
|+Add-on: Worldwide Personal All Risk|
(Max. Sum Insured per item: RM10,000, Rate: 1.50%)
|+Add-on: Worldwide Family Liability|
(Max. Sum Insured: RM200,000, Premium: RM25)
* Jewellery, household appliances and items such as furniture, pianos, organs, radios, television sets, DVD players, Hi-Fi equipment and similar items are insured as per item loss, not subject to limit per item.
* Total value of platinum, gold and silver articles, and jewellery payable is limited to one third of the Total Sum Insured.
* All premiums are subject to 6% Service Tax and stamp duty.
Not sure on the claims you can make? Here's a few example on the type of protection you can cover with our SmartHome Optimum (Enhanced).
*Disclaimer: This list is just a reference of items that can be insured and do not include other items in a house that can be insured such as bags, clothes and many more. The final approval of claims is subjected to terms and conditions of SmartHome Optimum (Enhanced) packages and policy.
For more information on Frequently Asked Questions, refer here: