I was told ade owners under insured their fire insurance ie masa cover during bank loan, insured sum 22Ok, 20 years later same same insured sum 220k and they expect cover prop value (ie 800k) lol Reconstruction cost pun cannot cover lo.

Don’t be stingy on fire insurance to your prop, make sure cukup for re-construction cost. Harga rumah naik, shiok but ignore adjustment for insured sum

Home content is another story la. Ade hold cover or takde