Protect What Matters Most: How Tokio Marine SecureHome Insurance Saved a Malaysian Family

1. Lina’s Earthquake Scare in Segamat: How Home Insurance Saved the Day

Lina lived in a charming double-storey home in Segamat, Johor, with her husband Harith and their two school-going children, Aisyah and Danish. Life was simple and joyful — until one fateful morning changed everything.

It was just past 7 a.m., and Lina was preparing breakfast when the ground beneath their feet started to tremble violently. Books fell from shelves, picture frames crashed to the floor, and the walls of their living room developed noticeable cracks. The children screamed in fright, and Harith instinctively rushed to check the structural safety of the house. It was their first experience with an earthquake (Johor quakes).

Panic and Uncertainty

The tremors lasted only a few seconds, but the aftermath left the family in shock. Furniture was damaged, walls needed urgent repairs, and several personal items were ruined. Lina felt overwhelmed, as the costs of repairing the house and replacing damaged belongings seemed daunting.

The Relief of Tokio Marine SecureHome Insurance

Thankfully, Lina had recently purchased Tokio Marine SecureHome Insurance through Just Insure Sdn. Bhd. with comprehensive coverage that protects against natural disasters such as earthquakes, floods, and storms, she was ready for this unexpected event. Lina quickly logged into the MyTokioApp, filed a claim, and within hours received clear guidance on the next steps, assisted by a dedicated Just Insure Sdn. Bhd. advisor:

• A claims officer contacted her to guide the repair process.
• Repairs to the walls and structural damage were arranged promptly.
• Damaged furniture and household items were assessed for compensation.

The entire process was fast, transparent, and hassle-free, allowing Lina to focus on comforting her children and restoring normalcy to their lives.

2. What Is Tokio Marine SecureHome Insurance?

SecureHome is Tokio Marine Malaysia’s enhanced, all-in-one home insurance plan that protects both your building (house structure) and contents (your belongings).

Here’s what makes it special:

1. Flexible coverage — you can choose how much to insure your building and contents.

2. Optional add-ons (HouseCare) so you can tailor protection to suit your needs.

3. Inconvenience Allowance — get a lump-sum allowance if your home is damaged by insured perils.

4. Worldwide personal all-risk coverage — for items that you carry outside your home.

5. Personal accident protection included, in case of injury at your property.

6. Free Dengue cover — a nice bonus that is quite relevant in Malaysia.

3. Key Coverage & Benefits

Here’s a breakdown of what is covered under SecureHome:

A. Building (Houseowner Protection)

1. Covers damage to your house structure: walls, gates, fences, garage, fixtures.

2. Insured perils include fire, flood, burst pipes, theft, windstorm, and more.

3. Option to insure based on agreed value or reconstruction cost.

4. Third-party liability: legal liability up to RM 100,000 in your property.

B. Contents (Householder Protection)

1. Insures your household goods, personal effects, and family belongings.

2. Choice between First Loss Basis (fixed coverage) or Full Value Basis (insure everything).

3. Sum insured for contents: RM 10,000 up to RM 150,000 depending on plan.

C. HouseCare (Optional Add-On) provides reimbursement for:

1. Repairing burst pipes.

2. Replacing or repairing doors, locks, windows (especially after break-in).

3. Domestic assistance and emergency assistance.

D. Inconvenience Allowance

A lump-sum payout when your house or content is damaged by insured perils, helping you manage disruption.

E. Worldwide Personal All-Risk

Covers your personal items globally, e.g. electronics, jewellery, when you take them outside your home.

F. Other Perks / Optional Coverage

1. Personal accident cover for accidents at home.

2. Dengue cash coverage if someone in your household is diagnosed.

4. Why Tokio Marine SecureHome Is a Smart Choice for Malaysians

1. Complete Protection — Not just your house, but everything inside it is protected.

2. Flexible & Customizable — Pick and choose add-ons based on your lifestyle and budget.

3. Affordable Risk Mitigation — Helps mitigate high repair and content replacement costs after a disaster.

4. Extra Financial Help During Disruption — Inconvenience allowance gives you money during tough times.

5. Peace of Mind for Personal Belongings — All-risk worldwide for your personal items.

6. Reputation & Trust — Tokio Marine is a well-known insurer in Malaysia with strong financial backing.

Have questions about how Tokio Marine SecureHome Insurance cover? Chat online with us!

Important notes: This article is meant purely for informational purposes and does not constitute an offer, recommendation, solicitation or advise to buy or sell any product(s). It should not be relied upon as financial advice. The precise terms, conditions and exclusions of any products mentioned are specified in their respective policy contracts. Please seek independent financial advice before making any decision.

This advertisement has not been reviewed by the Bank Negara Malaysia.