BUILDING COST CALCULATOR - This Building Cost Calculator (“Calculator”) provides an estimate of the rebuilding cost of your property for evaluation purposes only and does not guarantee the actual amount to insure your property for. The Calculator is intended to assist in estimating the sum that your property is to be insured for and shall not at any time be a substitute for professional advice and judgment, particularly where a property has any unusual features or is outside the range of properties as provided in the calculator. This calculator's cost may differ from Zurich's Agreed Value Calculator cost.

Z-HomeProtect is your Houseowner (On Building) and/or Householder (Contents) flexible and customisable home insurance!

You can opt to insure on AGREED VALUE for your Private Dwelling Landed House and on FIRST LOSS BASIS WITHOUT AVERAGE for your house contents!

1) What is Z-HomeProtect? Z-HomeProtect provides you with coverage for loss or damage to your building and/or contents solely used for residential purposes only caused by the perils mentioned in the policy.

2) Who is eligible for Z-HomeProtect? Z-HomeProtect is offered to all home owners.

3) What are the coverage and benefits under Z-HomeProtect? Coverage and benefits of Z-HomeProtect is provided under 2 different sections. You can opt for Section I or II or both for a more comprehensive plan. Please refer to Schedule of Benefits on page 2 and 3 in the brochure for the coverage and benefits provided under each section.

4) How do I determine my coverage? For Building, you are advised to insure based on the cost of rebuilding the property, including all renovations, fixtures and fittings. For Contents, you are advised to insure the total value of all your home contents, which means personal and household belongings of every description belonging to you and any member of your family normally residing with you.

5) What is Agreed Value? Agreed Value is an amount calculated using Zurich Agreed Value Calculator to determine the Sum Insured against loss or damage to your Building. NOTE: Please notify us if you renovate your insured premise which increases or decreases the built-up area.

6) Does the plan cover my jewelry? YES, subject to total value not exceeding 1/3 of the total sum insured on Contents.

7) Is there a limit to item insured? Item insured is subject to a limit of 10% of the total sum insured on Contents.

8) Are there any exclusions? YES, no benefit shall be payable under the following circumstances:-

  • War, civil war and any act of terrorism
  • Subsidence and landslip, Riot strike & malicious damage, Damages caused by bush / lalang fire; UNLESS these perils are included with additional premiums
  • Spontaneous combustion
  • Radioactive and nuclear energy risks
  • Consequential loss; except for Rent Insurance
  • NOTE: This exclusion list is not exhaustive. Please refer to the policy document for full list of exclusions under this policy.

If you wish to apply for the Z-HomeProtect Insurance, contact us via Whatsapp or SMS to 012-6597262

WhatsApp or Call our Mobile Service Line 012-6597262 to renew your Motor Insurance!

or if you prefer, you may e-mail us at

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