Please note that your home and/ or contents insurance/ takaful policy will not cover you for every risk. Typically, it does not cover damage caused by wars or civil commotion. It does not cover if your property is unoccupied for >90 days or if the property is used for commercial purposes. You do have the option to purchase add-ons which extend your cover to specific risks such as theft or subsidence and landslip during your insurance purchase.