A few cents a day can protect your greatest investment from unforeseen events. Our home policy offers a very wide level of protection against events which may severely damage your home buildings, contents or your personal effects. The policy provides cover for: accidental loss or damage to the buildings and contents of your home – accidental loss or damage to personal belongings and valuables whilst anywhere in Malta – Your liability to others and home assistance.

The standard cover is also enhanced by means of additional complementary emergency cover including:Temporary alternative accommodation following a loss, mechanical or electrical breakdown to air-conditioning and energy saving equipment, loss or damage to Christmas, wedding and graduation gifts, loss or damage to locks and keys, freezer contents, personal money including credit and debit cards, pedal cycles and sports equipment and legal expenses.

Benefits & Advantages

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We cover unexpected failure or damage to piping, leaks from sanitary equipment and fittings, and fixed water installations within your home.

Complete failure of the electrical supply inside your home, as a result of a fault or damage to the internal electrical installation, is covered.

We will pay for the breakage of glazing to external windows or doors which make your home insecure.

We will cover loss or damage produced by mechanical or electrical breakdown, to air conditioning units, solar heating systems, and photovoltaic systems which are permanently installed to the buildings, provided that an annual maintenance is accomplished.

We will pay for loss or damage to new fixtures and fittings whilst in the home for installation or in the course of installation, provided that no structural alterations to the buildings are needed.

Loss or damage to the buildings caused when the fire, police, or ambulance services have to force in an entry or exit from your home is covered.

We will automatically rise the sum insured for newly acquired contents. You must request cover (increase your sum insured and pay additional premium) for these within 30 days of their acquisition.

We will automatically increase the sum insured on contents during December for Christmas gifts bought and received; also, during the period one month before and one month after the wedding or graduation of any member of your family, normally living in your home; we cover therefore any gifts bought and received for such occasion.

We will pay for the costs to replace your frozen food contained in your domestic deep freeze cabinet, or the freezer section of your domestic refrigerator, if it is damaged by a rise or fall in temperature or contamination from refrigerant or refrigerant vapours.

We will cover for loss of or damage to your bicycles and your sports equipment in Malta.

We will pay your legal expenses incurred by you for legal proceedings in the event of a dispute relating to the purchase, hire, hire-purchase, service or repair of consumer goods.

We pay too for the costs of legal actions related to contracts for the purchase of service for home improvements or your ownership or occupation of your main home.