guys, buy a house holder insurance is a better option. For a coverage of RM 50,000 on all your house contents, the premium only cost you slightly more then RM 1.00 plus a day. You have your peace of mind, and free your worry from bulgary, burst of water pipe, floor, fire, lightning strike.

Best thing, you do not need to curse ppl die of aids or car accident

If you need to know more information, drop me a PM.

I wonder what kind of house holder insurance you have there

I have sold many such policy never heard of such excess with house holder. The limitation is usually on cash or cash equivalent or jewellery, which insurer would limit the claim to certain ceiling per incident

Dont mind pm me your insurer details, and I sure would be interested to check it up for you.