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Premier Client Solutions (PCS), a coverage most fitting for your home and lifestyle.

Feel assured that your lifestyle won’t change in the event you experience a loss. We are here to cover your home, belongings and personal valuables.

Our most popular features include

Home insurance that goes above & beyond


Personal coverage for you, your home & belongings

Comprehensive all-risk coverage

Safety for you and your possessions - anytime, anywhere


#JagaTalks on Premier Client Solutions

Your home is your greatest asset for you and your loved ones. Watch the video below to find out how #JagaTalks can keep them protected.

How is this different compared to Standard Home Insurance?


Premier Client Solutions (PCS)

Standard Home Insurance




Home Contents

1. In your home coverage

2. Covers accidental loss or damage in most situations, including theft  and natural disasters

1. In your home coverage

2. Covers theft and natural disasters only

Personal Valuables Cover

1. Worldwide coverage available 

2. Covers most situations, including accidental damage, full theft and natural disasters

3. Unlimited sum insured

1. Worldwide coverage avalaible

2. Covers specified situations such as accidental damage and full theft only

3. Limited sum insured - up to 50% of home contents sum insured

Worldwide Personal Liability


Not covered

Damage or repair caused by leaking from household appliances

(Example: air conditioner, refrigerator, heater)


Not covered

Loss on landscape


Not covered

Tree removal expenses within the premises


Not covered


Home Contents All Risks Cover

PCS covers all your household belongings & personal valuables in your home from loss or accidental damage in most situations, including theft, fire, flood or other natural disasters.

Worldwide Personal Valuables All Risks Cover

PCS can provide worldwide coverage for all your personal valuables when you take them out of your home*.

Alternative Accommodation Expenses

If you are unable to stay at home due to damage caused by fire, flood or theft, PCS will offer support by covering your hotel expenses.

Unlimited Jewellery Coverage

PCS can cover all your precious jewellery*.

*Terms & conditions apply

Downloads & Claims


Section 1: Houseowners

• Protection against specified risks such as natural disasters, burglary, and liability within the premises.

Section 2: Home Contents All Risks

• Protection against accidental damage and/or loss of your home contents in most situations unless a specific exclusion applies.

• 18 additional types of coverages such as expenses incurred for tree removal, leakage from air conditioners, alternative accommodation, boarding for pets, and forced evacuation.

Section 3: Worldwide Personal Effects All Risks

• You can choose to extend your policy so it covers all physical loss or damage to you or your family’s personal effects and valuables that are regularly carried on your person, no matter where you go.

Section 4: Worldwide Personal Liability

• You can choose to extend your policy so it covers your liability against third party injury and/or physical damage to third party contents, no matter where you go.

You may use the industry-approved Building Cost Calculator which provides an estimate of the rebuilding cost of your property for evaluation purposes.

The total premium that you have to pay may vary depending on factors such as the type of residence, type of construction, the sum insured or value at risk and the covers that you have chosen. Premiums are inclusive of Service Tax (ST) of 6%.

Importance of disclosure:

• You have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you applied for this insurance) i.e. you should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. You are also required to disclose any other matter that you knew to be relevant to our decision in accepting the risk and determining the rates and terms.

• You also have a duty to inform us of any change in the information given to us earlier before we issue the policy schedule to you and before you renew or change any of the terms of your policy. If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim may be rejected or not fully paid.

• Your excess is the first part of any claim for loss or damage that you have to bear yourself for certain perils under your policy such as overflowing of domestic water tanks, windstorm, earthquake and flood claims.

• We shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under the United Nations’ Security Council resolutions (UNSC) or the trade or economic sanctions, laws or regulations of the European Union or the United States of America.

You will receive a renewal notice to renew your existing policy, before policy expire.
1. Mail in / Walk in to customer service to request for renewal; or
2. Contact your existing agent to perform renewal

You may cancel your policy at any time by giving us prior written notice. Provided you have not made a claim you are entitled to a premium refund based on either pro-rata or short period rates for the period the policy has been in force.

AIG Malaysia gives you 24/7 online convenience to update your policy contact information here.

At your convenience, you can now do the following updates online:
1. Mailing Address
2. Email Address
3. Contact Number

If you have any enquiries, please contact us at:

AIG Malaysia Insurance Berhad

Menara Worldwide

198 Jalan Bukit Bintang

55100 Kuala Lumpur

Walk In Service Counter : Level 17


Contact Information

Toll Free 1800-88-8811 (within Malaysia)

General Line 603-21180188

Fax 603-2118 0288


Operation Hours

Monday to Friday, 9am to 5pm (except Public Holidays)