Important information

• Insurance premium calculation is based on the amount of sum insured and earthquake zone of the insured location, as regulated in the Financial Services Authority (OJK) Circular Letter No. 6/SEOJK.05/2017.
• Rumahku Plus covers buildings that are categorized as Class 1 Construction. Additional underwriting process will be applied for buildings in Class 2 or Class 3 Construction. Please see below for explanations on each Classes of Construction:
1. Class 1 Construction:
   A building is considered as a Class 1 Construction if the walls, floors, and all other structural supporting components as well as roof covers are entirely made of non-flammable materials. Windows and/or doors and their frames, partition walls and floor covering may be ignored.
2. Class 2 Construction:
   A building is considered as a Class 2 Construction if it fulfills the criteria of Class 1 Construction, with the following concessions:
   • Roof coverings may be made of hardwood shingles.
   • Walls may contain flammable materials up to 20% of the wall area.
   • Floors and their supporting structures may be made of wood.
3. Class 3 Construction:
   Other buildings other than those mentioned in Class 1 and Class 2 Construction.