Article Summary
柔佛近期发生小地震，提醒我们：自然灾害并非与马来西亚无关。房屋保险真的涵盖天灾吗？别等到灾害来临才发现保障不足。
Recent mild quakes in Johor show that natural disasters are possible in Malaysia. Does your home insurance really cover them? Don’t wait until it’s too late to find out.
Recent mild quakes in Johor show that natural disasters are possible in Malaysia. Does your home insurance really cover them? Don’t wait until it’s too late to find out.
在过去的十天里，柔佛经历了几次小地震。虽然震级不大，没有造成严重破坏，但这类事件足以让我们重新思考：如果自然灾害真的发生，我们的房屋保险是否足够？
很多屋主都会有一个误解：只要买了火险或房屋保险，就等于“全包”。事实上，情况并非如此。多数标准保单只涵盖火灾或特定事故，而 地震、土崩、洪水等自然灾害，往往并不在基本保障范围之内。
更值得注意的是，许多人甚至不清楚自己的保单放在哪里，更不用说逐条细看保障范围了。在这种情况下，最实际的方法就是直接联系保险公司或代理人，确认以下几点：
• 是否涵盖自然灾害（地震、洪水、土崩等）？
• 免赔额（deductible）是多少？
• 保障是否包括房屋结构、室内财物，以及临时住宿费用？
保险的意义，并不只是一纸合约，而是能在危机发生时，真正给予家庭保护与安心。今天确认清楚，未来遇到突发状况时，才能避免经济和心理上的双重打击。
📌 温馨提醒：
自然灾害虽然在马来西亚相对少见，但并不是“不会发生”。与其等到灾害来临才发现保障不足，不如现在就花几分钟确认，确保家人与财产得到更全面的保护。
Over the past ten days, Johor has experienced several mild earthquakes. While the tremors were not severe, they raise an important question: If a natural disaster strikes, is your home insurance enough to protect you?
Many homeowners mistakenly believe that fire insurance or standard home policies cover everything. In reality, most policies only cover specific risks such as fire, while earthquakes, floods, or landslides are often excluded.
What’s even more concerning is that many people don’t even remember where their policy documents are kept, let alone understand the fine print. That’s why the most practical step is to contact your insurance provider or agent directly and confirm:
• Does your policy cover natural disasters (earthquake, flood, landslide, etc.)?
• What is the deductible?
• Does the coverage include structural damage, household contents, and temporary accommodation?
Insurance is not just paperwork. Its true value is giving you and your family peace of mind when the unexpected happens. Clarifying today means avoiding financial and emotional stress tomorrow.
📌 Reminder:
Natural disasters may be rare in Malaysia, but they are not impossible. Don’t wait until it’s too late — take a few minutes now to confirm your coverage and secure better protection for your home and family.
很多屋主都会有一个误解：只要买了火险或房屋保险，就等于“全包”。事实上，情况并非如此。多数标准保单只涵盖火灾或特定事故，而 地震、土崩、洪水等自然灾害，往往并不在基本保障范围之内。
更值得注意的是，许多人甚至不清楚自己的保单放在哪里，更不用说逐条细看保障范围了。在这种情况下，最实际的方法就是直接联系保险公司或代理人，确认以下几点：
• 是否涵盖自然灾害（地震、洪水、土崩等）？
• 免赔额（deductible）是多少？
• 保障是否包括房屋结构、室内财物，以及临时住宿费用？
保险的意义，并不只是一纸合约，而是能在危机发生时，真正给予家庭保护与安心。今天确认清楚，未来遇到突发状况时，才能避免经济和心理上的双重打击。
📌 温馨提醒：
自然灾害虽然在马来西亚相对少见，但并不是“不会发生”。与其等到灾害来临才发现保障不足，不如现在就花几分钟确认，确保家人与财产得到更全面的保护。
Over the past ten days, Johor has experienced several mild earthquakes. While the tremors were not severe, they raise an important question: If a natural disaster strikes, is your home insurance enough to protect you?
Many homeowners mistakenly believe that fire insurance or standard home policies cover everything. In reality, most policies only cover specific risks such as fire, while earthquakes, floods, or landslides are often excluded.
What’s even more concerning is that many people don’t even remember where their policy documents are kept, let alone understand the fine print. That’s why the most practical step is to contact your insurance provider or agent directly and confirm:
• Does your policy cover natural disasters (earthquake, flood, landslide, etc.)?
• What is the deductible?
• Does the coverage include structural damage, household contents, and temporary accommodation?
Insurance is not just paperwork. Its true value is giving you and your family peace of mind when the unexpected happens. Clarifying today means avoiding financial and emotional stress tomorrow.
📌 Reminder:
Natural disasters may be rare in Malaysia, but they are not impossible. Don’t wait until it’s too late — take a few minutes now to confirm your coverage and secure better protection for your home and family.