Floods and heavy rain damage walls, floors, and foundations.
Protect the home you worked hard to build
Your walls, your roof, your gates are more than bricks and cement. They're the foundation your family stands on. Our building insurance keeps it that way.
When the structure of your home is at risk
Your building is your biggest financial investment. One unexpected event can cost hundreds of thousands to repair.
And here's the part most homeowners don't realise until a claim gets rejected.
Complete protection for your safe haven
Because the structure that keeps your family safe deserves proper protection.
Full structural coverage
Walls, roof, floors, built-in fixtures, gates and fences, all covered against fire, flood, and more
Coverage beyond basic fire
Flood, storm, burst pipes, impact damage. Protection that goes far beyond standard fire insurance.
Repair at today's cost
We cover the actual cost of rebuilding and repairs today, not the depreciated value from years ago
Why our home insurance stands out
Clear coverage, honest terms, and a claims process that actually works when you need it most.
Responsive support
Access assistance 24/7 with questions or claims
Simple claims process
Submit and track claims easily with minimal paperwork
Flexible policies
Customize your coverage to match your specific home type, location, and belongings
See what's right for you
Find the right plan fast, at no cost.
Premier Client Solutions
Sum insured
Up to RM500,000
Rebuild cost coverage
Up to 100% of sum insured
Temporary accomodation
Up to 100% of sum insured
Home Protector Enhanced
Sum insured
Up to RM500,000
Rebuild cost coverage
Up to 100% of sum insured
Temporary accomodation
Up to 100% of sum insured
Smart Home Cover
Sum insured
Up to RM500,000
Rebuild cost coverage
Up to 100% of sum insured
Temporary accomodation
Up to 100% of sum insured
Getting covered is easier than you think
Our simple process gets you the right protection in just 3 steps.
Tell us about your needs
Complete our quick questionnaire to help us understand your specific requirements and protection goals.
Find your perfect match
Review side-by-side comparisons of plans tailored to your situation, with clear details on coverage, benefits, and costs.
Get covered with ease
Select your preferred plan, complete the application process, and activate your coverage at your own pace.
Built to protect every part of your home
Your building faces risks from every direction. Choose the coverage that matches where you live and how your home is built.
Why people trust us
At Bee Smart Planning, we simplify financial and insurance planning with decades of experience. We offer personalised solutions for individuals and businesses through a unique combination of expert offline service and an easy online platform. We are licensed by the Security of Commission of Malaysia.
Proven industry leadership
Licensed & certified professionals
25+ years of expertise
Your questions answered
What’s the difference between Homeowner and Householder insurance?
Houseowner insurance covers the building structure like walls, roof, and fixtures, while Householder insurance protects the contents inside your home, such as furniture and personal belongings. Both work together to give you complete home protection.
Does home insurance cover natural disasters like floods and earthquakes?
Standard home insurance policies typically cover damage from fire, lightning, windstorms, and certain water damage. However, floods and earthquakes are usually excluded and require separate policies or add-ons. Always check your policy details as coverage varies by provider.
How much home insurance coverage do I need?
You should have enough coverage to rebuild your home completely if destroyed (replacement cost) and replace all personal belongings. For liability protection, most experts recommend at least RM300,000 in coverage.
I live in a condo. Do I need building insurance?
Your management corporation's fire policy typically covers the building structure and common areas. However it may not cover your individual unit's interior walls, fixtures or fittings. A separate plan gives you that extra layer of protection.
Can I get a Takaful option?
Yes. Shariah-compliant building coverage is available through our network of insurers. The quiz will show you both conventional and Takaful options.
What happens during the claims process?
After reporting a claim through our 24/7 service, a dedicated claims specialist contacts you within 24 hours. They'll guide you through documentation requirements, arrange for damage assessment, and process your claim. Emergency services are available immediately for severe damage.
Can I update my policy if I renovate my home?
Absolutely. You should update your policy to reflect any major changes like extensions or upgrades, so your coverage remains accurate.
Can I transfer my policy if I sell my home?
Home insurance policies are usually non-transferable. You’ll need to cancel your existing policy and the new homeowner can get their own coverage.
Your home deserves to keep standing.
Find the right building plan in 2 minutes. Compare from Malaysia's top insurers for free.
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