Houseowner Insurance

Bảo hiểm nhà cửa


The Insurer shall indemnify for any loss or damage resulting from:

  • Fire, Explosion, Lightning, Thunderbolt, Subterrabean Fire,  
  • Aircraft and other Aerial Devices and/or Articles dropped therefrom,
  • Earthquake or Volcanic Eruption, 
  • Hurricane, Typhoon, Flood caused by earthquake or volcanic eruption or by hurricane, cyclone, typhoon,
  • Theft but only if accompanied by actual forcible and violent breaking into or out of a Building or any attempt thereat,
  • Impact with any of the Buildings by any Road Vehicle, Horses or Cattle not belonging to or under the control of the Insured or any member of the family
  • Bursting or Overflowing of a domestic water tank, apparatus or pipe excluding
    - the first $100 in respect of each and every loss
    - loss or damage occuring whilst the private dwelling house is left unfumished
  • Flood (including overflow of the sea) caused by earthquake or volcanic eruption or by hurricane, cyclone, typhoon or windstorm but excluding loss or damage caused by subsidence or landship, subject to the following Excess Clause).


This Policy does not cover any loss or damage arising out of:

  • War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, strike, riot, civil commotion, mutiny, rebellion, revolution, insurrection, military or usurped power,
  • Requisition or seizure or destruction of or damage to property by or under the order of any Government or Public or Local Authority or confiscation or nationalisation,
  • Property’s own fermentation, natural heating or spontaneous combustion or by its undergoing any heating or drying process,
  • Loss, damage in consequence of or contributed to by nuclear weapons material, ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

The above is a brief summary of the product. For more details, click here or contact MSIG Insurance (Vietnam) Co., Ltd