🏠 Fire & Home Insurance

Your Home Is Your Family's
Safe Place.
Is It Really Protected?

A single fire, flood, or break-in can wipe out everything you've worked for. The right insurance means your family stays protected — no matter what happens.

💬 Get a Free Coverage Check See What's Covered ↓

Free, no obligation. Just a friendly chat.

Why it matters

Things that can happen
when you least expect it

Most people only think about insurance after something goes wrong. Don't wait until then.

🔥

Fire & Explosion

Electrical faults, gas leaks, or kitchen accidents can happen to anyone — in minutes, a lifetime of belongings is gone.

🌊

Floods & Water Damage

Malaysia's tropical weather means flooding is a real and growing risk, especially for ground-floor homes and shoplots.

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Theft & Break-In

A burglary doesn't just cost you valuables — it costs you peace of mind. Coverage replaces what was taken.

⛈️

Storm & Lightning

Structural damage from storms, fallen trees, or lightning strikes can cost tens of thousands to repair.

What's covered

Three types of protection —
which one do you need?

Not sure which plan is right for you? Don't worry — I'll help you find the perfect fit. Here's a simple guide.

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Traditional Fire Insurance

Building only

Covers the physical structure of your property — home, shophouse, or factory — against fire, lightning, explosion, and burst pipes. This is the standard plan often required by banks for properties with a home loan. It covers the building, not your belongings inside.

🏠 Homes 🏪 Shoplots 🏭 Factories Often bank-required

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Home Insurance

⭐ Most recommended

The complete home protection package combining two plans into one — Houseowner Insurance (your building structure, including floods, storms, and more) and Householder Insurance (everything inside — furniture, electronics, appliances, and personal valuables). Whether you own or rent, we have a plan for you.

✅ Building structure

✅ Furniture & appliances

✅ Flood & storm damage

✅ Electronics & valuables

✅ Theft & break-in

✅ Legal liability

🏠 Homeowners 🏘️ Landlords 🛋️ Tenants (contents)

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Business Insurance

For SME owners

A comprehensive, customisable plan built for SMEs — covering your premises, stock, and equipment against fire and other perils. Choose from powerful add-ons designed to keep your business running even when disaster strikes.

Key benefits:

✅ Premises, stock & equipment coverage
✅ Inconvenience Relief Benefit — daily cash allowance if your business is forced to close
✅ Profit Shield — up to RM2 million protection for loss of profit
✅ Covers 75+ types of businesses
✅ Customisable sum insured to fit your budget

🏪 Shoplots 🏢 Offices 🏭 Factories 🏨 F&B & Retail

Not sure which one you need? That's exactly what I'm here for.
Tell me about your property and I'll recommend the right plan.

💬 Ask Alice — It's Free

Who this is for

If any of these are you,
let's talk

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New Homeowners

Just bought a house? Protect your biggest investment from day one.

👨‍👩‍👧

Young Families

Your children grow up in this home. Make sure it's always there for them.

🏢

Business Owners

Your shoplot or office is your income. Don't leave it unprotected.

🏘️

Landlords

Renting out your property? Protect the structure and your rental income.

🏭

Factory Owners

Your machinery and stock are your business. One incident shouldn't shut you down.

👴👵

Caring for Parents

Is your parents' home protected? Give the whole family peace of mind.

Why choose ALICE LING

An agent who goes
Beyond the policy

25 years of experience — I've seen it all and I know exactly how to protect you the right way.
After-sales service you can count on — I don't disappear after the policy is signed. I'm here for renewals, changes, and claims.
Claims assistance — I walk with you through every step of the claims process so you're never alone.
Free coverage review — Not sure what you already have? I'll review your current coverage and tell you honestly what gaps exist.
One trusted contact for all your needs — Motor, home, life, business. No need to deal with different agents.

"Insurance is the financial solution during needy times — especially when money is scarce. I want to share my knowledge so that other people can help themselves and have a better life."

— ALICE LING, Beyond Insurance

How to get started

3 simple steps to
protect your home

Chat with Alice

Send a WhatsApp message. Tell me about your property and I'll ask a few simple questions — no jargon, no pressure.

Get your coverage plan

I'll recommend the right plan for your property type and budget. You'll see exactly what you're covered for.

Stay protected, always

Once covered, I'm here for renewals, updates, and any claims. You have one contact for everything.

Common questions

Frequently asked questions

Yes! Your bank's MRTA or MLTA covers your loan repayment if you pass away — it does NOT cover the physical structure of your home against fire, flood, or theft. Fire insurance is separate and essential.

Standard fire insurance covers many perils including floods in many plans. We'll review your specific policy to make sure you have the right coverage for your area — especially important in flood-prone parts of Malaysia.

Yes! As a tenant, your landlord's insurance covers the building structure — but your personal belongings (furniture, electronics, appliances) are NOT covered. A contents insurance plan protects everything you own inside the home.

The premium depends on the value of your property, its location, and the coverage you choose. For most homes, it's very affordable — often less than what you'd spend on a monthly dinner out. Contact me for a personalised quote.

Call or WhatsApp me immediately. I will guide you through every step of the claims process — from documentation to dealing with the insurer. You don't have to figure it out alone. That's what I'm here for.

Your Home Is Your Family'sSafe Place.Is It Really Protected?

Things that can happenwhen you least expect it