Home Insurance Sharia
Your ultimate sharia-based protection to make you and your family comfortable at home.
Home Insurance Sharia Product Excellence
A range of sharia-compliant protection benefits designed to help safeguard your home and your family's peace of mind.
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- Protect your house including its content from the risk of fire, lightning strike, explosion, to theft by force.
- Multiple protection package options tailored to your needs.
- Additional protection features designed to complement your home protection.
- Managed by sharia principle of mutual assistance among participants/policyholders.
- Provide economic value by surplus sharing at the end of the period for you if you never submitted a claim.
- Part of the contribution is allocated to pay Zakat to support public welfare.
What Does Home Insurance Sharia Cover?
Learn about coverage we provide for you:
- Compensation for damage caused by FLEXAS (fire, lightning, explosion, aircraft crash, and smoke)
- Insurance for money in storage & insurance for money in the cash register
- Compensation for physical damage to the building
- Compensation for property theft during fire
- Compensation for burglary
- Compensation for TPL (Third Party Liability)
- Compensation for personal accident
| Coverage | Maximum Package | Standard Package |
| FLEXAS (Fire, Lightning, Explosion, Falling Aircraft & Smoke) | ✓ | ✓ |
| RSMD (Riot, Strike & Malicious Damage) | ✓ | |
| Accidental Damage for Building | ✓ | |
| Theft (following Fire) | ✓ | |
| Burglary | ✓ | ✓ |
| Third Party Liability | ✓ | |
| Personal Accident | 24 Hour | Following Fire |
| Additional Features | Maximum Package | Standard Package |
| Removal of Debris | ✓ | ✓ |
| Home Rental Fee | ✓ | |
| Fire Brigade Fee | ✓ | ✓ |
| Professional Fee | ✓ | |
| Medical Expense (following Fire) | ✓ | |
| Profit Sharing | ✓ | ✓ |
Last year, I was hospitalized three times, and each experience was supported by Zurich’s fast and reliable service. The claims process was smooth and hassle-free, giving me peace of mind knowing that my health protection was backed by a service I can trust.
Protect Your Home, the Sharia Way
Enjoy peace of mind with home protection based on mutual cooperation and Sharia
Documents related to Home Sharia Insurance
Frequently Asked Questions
Zurich Home Insurance Sharia covers damage to your home caused by fire, lightning strikes, explosions, aircraft crashes, smoke, and vandalism. This insurance product may also provide benefits for personal accidents, third-party liability, temporary housing rental costs, and debris cleanup costs, depending on the selected plan.
The Standard Package focuses on fire, lightning, explosions, smoke, burglary, personal accidents resulting from fire, as well as firefighting and debris cleanup costs. The Maximum Plan provides broader coverage, including civil unrest, theft during a fire, personal accident, third-party liability, and temporary housing rental costs. The broader the coverage, the higher the premium or contribution you’ll need to pay.
