YCT Services & Trading Allianz Home Insurance

Service Guideline: They say delaying decision-making on something prevents or denies justice from being done at all. Every ticking time that hits the clock is a moment of uncertainty. Leaves unwariness by purchasing yourself home insurance, for nobody knows what the future holds. Please consult with us at YCT Services & Trading if you have made up your mind to have home insurance at an affordable price—a secure home is the best medicine for insomnia; sleep tight while the insurance will be your knight in shining armor upon unforeseen mishap.

Features:

1. Personal Insurance: This home and property protection scheme is personal insurance that covers private assets—in this case, the home—from potentially threatening risks related to accommodation that will cause loss. The insured will pay premiums directly to the insurance company to reinforce security should any adversities happen to the policyholder's belonging, depending on the coverage agreed upon by the policy.
   
   
2. Home, Motor and Travel Insurance: Under the insurance that Allianz offers for home, motor, and travel, it includes comprehensive home insurance, car and motorcycle, roadside assistance, travel insurance, and living insurance.
   
   
3. Comprehensive Home Insurance Options: While insurance schemes allot indemnity and reimbursement in trying times to their subscribers, many are still hesitant to pay the premium and delay purchasing insurance for themselves. This circumstance is nothing new, given that some schemes offer little coverage but at a high price. If you are contemplating subscribing to home insurance, scroll down to see what we have to offer—because our property insurance is an affordable one with comprehensive options. By subscribing to Allianz's home insurance, you need not apply for an add-on for miscellaneous coverage because it is an all-in-one package.

Service Location: YCT Services & Trading has been an insurance provider since 2014 that mainly sells Allianz's insurance plans—in particular, serving in Kuala Lumpur, Malaysia. As an insurance agent operating with a medium-sized staff of experienced ones, we are willing to assist you with any inquiries on a broad spectrum of insurance schemes. We also aid you with a smooth purchase experience as well as providing after-service sales support via our customer care line to follow up with your satisfaction or complaint should you have any. With professionally trained staff in insurance sectors, we are pleased to serve clients in fulfilling their needs once we are entrusted with the task. To know more about home, motor, and travel insurance—focusing on home insurance—from our side, do not hesitate to contact us.

Home Insurance Options:

1) Allianz' Smart Home Cover:

Enjoy a home sweet home experience under house insurance that has full coverage for rental property and your home at five components: HouseOwner (building), HouseHolder (content), mortgage loan installment protection, HomeFix, and landlord insurance. Tailor-made house insurance based on your needs with Smart Home Cover—from the five elements of the package, it is made mandatory to purchase either HouseOwner and/or HouseHolder that covers building and content, respectively, as the essential requirement for this insurance. If you wish to have extensive coverage, you may select all five components and pay the premiums annually for three years, or you can save more when you purchase the multi-year plan for all five elements—terms and conditions applied. It might appear tempting on your end, right? Unfortunately, you are a tenant. So, what about it? This home insurance caters to landlords, homeowners, and tenants, even. This is undoubtedly a good bargain for the insured because the smart home cover is indeed an intelligent home insurance package. If we are to dig deeper into the benefits of all five components, should there is any mishap, this home insurance will cover your building for fixtures, garages, walls, and fittings—for the case of a landed house, you will receive coverage for gates and fences surrounded the yard. In the second component—HouseHolder—of house contents, including the family members, you will be insured for the full value of the entire household contents in the building based on the plan you choose. In terms of protection against mortgage loan installment, you will receive the relief benefit in the event of forced evacuation by the government, temporarily inhospitable (based on the policy of covered incidents), or when the insured suffers a total irreversible disability or accidental death. Next, HomeFix will compensate you for including the mentioned events but not limited to burst pipes, theft-causing damage (like locks replacement), and disinfection for termites and pest control. For the last element, landlord insurance, Allianz will pay the legal costs of sending a demand letter for unpaid rent and cover the tenant's malicious damage and eviction-related losses. For more coverage listings under this home insurance package, please contact our agent.

Specifications:

- Flexible coverage choice
- Affordable premiums with extensive coverage
- Option available: annually payment for 3 years or multi-year plan with discount (subject to terms and conditions)
- Trouble-free of annual renewals
- Includes five importance components: Building and Content coverage (mandatory), HomeFix, Mortgage Loan Installment Protection, and Landlord Insurance
- Applicable for tenant, house owners, and landlord
- Guaranteed coverage for water damage, fire, and natural catastrophe

2) Allianz' HouseOwner and HouseHolder Insurance:

House is one the most significant investment in one's life. As you buy a house, do not forget the home warranty to get you covered upon unforeseen incidents. Sometimes, having a security service from the guard house or a security device like a burglar alarm system and closed-circuit television (CCTV) is not enough to protect your home and its content because a housebreaker is not the only threat to a safe and quiet house. Catastrophic weather and fire could be the reason a homeowner bear loss. With HouseOwner and HouseHolder Insurance, the policyholder is entitled to claim for damage covered by the policy. The coverage of the buildings and their contents are available in these cases: fire, lightning, aircraft damage, automobile or animal-causing impact, flood, water damage, violent breaking of theft, earthquake, hurricane, typhoon, volcanic eruption, and more. Get the comprehensive infographic from our agent to know what's more you can claim from this home insurance. Everything that is mentioned by far is the basic coverage. Should you be interested in purchasing an additional premium, you can get extensive coverage for the building, contents, and other contingencies. As this home insurance is valid for one year only, be sure to renew your insurance policy every year.

Specifications:

- Yearly based insurance policy
- Accept application by houseowner and tenant
- Extension coverage is subject to surcharge
- Building and items coverage
- Covering loss/damage of jewellery (not exceeding 1/3 of the total sum insured on household contents)
- Others claimable situations: fire, lightning, aircraft, vehicles, or animals impact, burglary, natural catastrophe, and loss of rent

3) Allianz KampungKu:

To highlight the pride of Malaysia, this home insurance is named after the significant "kampungku," which translates into English means "my village." This particular scheme is made available for people seeking low-cost home insurance as a barrier for the house building and its household against the risk of fire, flood, and windstorm. Protect your shelter and loved ones from abrupt incidents with an emergency relief benefit of RM1000 in a lump sum for one loss—fire, flood, or windstorm. Besides, the insured will receive a lump sum of RM1000 for a personal accident—funeral expenses of the policyholder or one immediate family, total permanent disability, and accidental death. In case of fire and lightning, the policy states that the building and/or its contents will receive a maximum of RM10000. As this insurance is based annually, it will cover for the duration of one year with a premium of RM75 per year. For more information, contact our reliable team.

Specifications:

- RM75 premium per year (exemption of stamp duty until 31/12/2025)
- Eligible application for tenant and house owner
- RM10000 maximum sum insured for fire and lightning
- Emergency relief benefit for fire, flood, or windstorm at RM1000 (lump sum)
- A lump sum payment of RM1000 for personal accident (accidental death, TPD, and funeral expenses of insured or one immediate family)

4) Allianz' Homeguard:

We all know hiring a bodyguard for an individual works best as a shield from crime. It works like a burglar alarm. At Allianz, similar home insurance at an affordable rate is implemented to help guard your home, whether nobody's home or when you are inside. Upon signing the black-and-white as proof of purchasing this home insurance, you will see the declaration page in front of the policy that summarizes the insurance. Thus, you will see that this homeguard home insurance covers loss or damage from full theft, accidental death, and total disablement.

Interestingly, this package includes Domestic Medical Assistance Program (DMA)—an optional premium—providing 24-hour access to medical assistance locally during emergencies to the policyholder. Overall, you are entitled to relief benefits in cases like damaged household contents and personal impacts caused by fire, bursting or overflowing pipes, explosion, lightning, natural disaster, flood, and more (as listed in the insurance policy). Please note that the premium varies according to the sum insured and optional coverage and is calculated based on floor area from an estimation of as low as RM212, RM283, and RM425 in low, medium, and high-value categories, respectively, for 1000 square feet size.

Specifications:

- Annual premium
- Calculation is made based on floor area and three categories: low, medium, high house value
- Full theft coverage
- Domestic Medical Assistance Program included (optional with different premium)
- Other benefits: Reimburse for loss and damage caused by natural disaster, fire, explosion, water damage, accidental death, and TPD

Home Insurance Overview

Home insurance (other names: house insurance, homeowners' insurance, home protection scheme, property insurance, coverage insurance) speaks volumes about its function—no other than providing financial sanctuary for the homeowners. In most cases, only the house owners can apply for home insurance. Nonetheless, tenants, too, would want a secure and safe environment. Hence, Allianz Insurance designed several comprehensive home insurance options to help both the homeowner and tenant recover from the potential risk of loss or damage associated with house safety.

Depending on the insurance policy, you may find different home insurance packages offering different coverage ranging from dwelling coverage, personal property coverage, liability protection, additional living expenses due to uninhabitable accommodation, loss of use coverage, and other multifarious structures coverage. However, general home insurance will cover perils like earthquakes, floods, and fire. It is important that you speak to your insurance agent about what kind of insurance that you are looking for—such as the area of coverage and budgeting for premiums—to ensure it fits your needs and wants perfectly. Haven't found an agent yet? Consult with us now, as you will be served by an expert in home insurance, guaranteeing tight security for your house.

Home Insurance Specifications

- Beneficiary will receive a lump sum payment in the case of personal accident or emergency relief benefit
- Comprehensive home insurance options
- Eligible for tenant too
- Four types of home insurance: Smart Home Cover (all-in-one insurance), HouseOwner and HouseHolder Insurance, Allianz KampungKu, Homeguard
- Home, motor, and travel insurance under Allianz
- Professionally trained intermediary in Kuala Lumpur, Malaysia