Floods and burst pipes destroy furniture and appliances in hours
Protect everything in your home, not just the walls
Your sofa, your kids' laptops, your grandmother's jewellery. Most of it isn't covered by any insurance you have, a home contents insurance changes that.
When the unexpected walks through your door
Even the most careful homeowners can't prevent everything. And when something happens, what's inside your home is rarely protected.
And here's what most homeowners don't realise until it's too late.
Everything inside your home, covered
Because what makes your house a home deserves its own protection.
Protect your belongings
Furniture, appliances, electronics, all covered at actual replacement value.
Flood and fire protection
When the unexpected hits, your contents are covered. Not just the walls around them.
Theft and break-in coverage
Stolen items covered so the loss does not have to come out of your own pocket.
Protecting the little things that mean everything
Simple, clear coverage for the things that actually matter inside your home.
Transparent policies
Clear, straightforward coverage without confusing jargon
Simple claims process
Submit and track claims easily with minimal paperwork
Flexible policies
Landed house or condo, renter or owner. Your plan is matched to what you actually own.
See what's right for you
Find the right plan fast, at no cost.
Premier Client Solutions
Sum insured
Up to RM150,000
Loss of cash
Up to RM2,500
Jewellery/valuables Limit
Up to RM5,000
Home Protector Enhanced
Sum insured
Up to RM150,000
Loss of cash
Up to RM2,500
Jewellery/valuables Limit
Up to RM5,000
Smart Home Cover
Sum insured
Up to RM150,000
Loss of cash
Up to RM2,500
Jewellery/valuables Limit
Up to RM5,000
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.
Coverage for everything that matters inside your home
Mix and match what you need. Only pay for what fits your home and lifestyle.
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.
My condo management has insurance. Does that cover my belongings?
Does contents insurance cover floods?
Does contents insurance cover floods?
Flood coverage is an add-on for most plans. Given how frequently Malaysian homes flood during monsoon season, it is one of the most important add-ons to consider. The quiz will recommend this based on your location and property type.
Can I cover high-value items like jewellery or cameras?
Yes. Most plans allow you to schedule specific high-value items such as jewellery, watches, cameras and handbags at an additional premium. These are covered separately from your standard contents sum insured.
I am renting. Can I still get contents insurance?
Absolutely. Contents insurance covers your belongings, not the property itself. Your landlord's insurance protects their building. It does not protect anything you own. Renters are one of the highest-risk groups for uninsured losses.
What if I do not have receipts for my belongings?
Most insurers do not require receipts for general household items. For high-value items like jewellery or electronics, photos and purchase records help but are not always mandatory. The quiz will match you to plans with the most flexible claim requirements.
Can I get a Takaful option?
Yes. Shariah-compliant contents coverage is available through our network of insurers. The quiz will show you both conventional and Takaful options.
Protect your belongings today
Rest easy knowing your furniture, electronics, and valuables are covered against the unexpected.
Get my free quote now