Free preliminary estimate · Formal review required
House Fire & Rebuilding Cost Preliminary Estimator
Use property type, built-up area and finishing level as a quick starting point. This does not replace PIAM's official BCC, a professional valuation or an insurer quotation.
Preliminary Estimate
Your Estimated Policy Summary
Recommended Building Sum InsuredIncludes main structure and debris removal allowance
RM 376,200Total Recommended Sum InsuredDouble / Multi-Storey Terrace · 1,800 sq ft
RM 376,200Estimated Annual Base Premium
Send this estimate on WhatsApp for a review~RM 409/ year
Illustrative only; taxes, minimum premium and extensions follow the formal quotation
We will compare suitable proposals from Zurich, Great Eastern General, MSIG and Tune Protect.
Crucial Advice from Insurance Advisors:
Land Value is NOT insurable under fire policy:Land cannot burn. Insuring for market price (including land) leads to over-insurance, paying unnecessary premium to financial institutions.
Review under-insurance and the average clause:Under-insurance may affect a claim. The calculation method and any applicable threshold depend on the insurer's Product Disclosure Sheet and policy wording.
Disclaimer: This tool uses simplified area-cost assumptions for an initial discussion only. It is not the official PIAM / ISM BCC, professional advice or a formal quotation. Property features, location, age, renovation, underwriting, taxes, extensions and policy terms can change the result.
Use PIAM's official Building Cost Calculator