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Home Insurance

Home Insurance

Your MAPFRE Middlesea Home Insurance policy includes a wide range of great benefits for you and your property:

  • 24/7 Call Centre on 2248-0200.
  • We cover unexpected breakdown or damage to tap water piping, leaks from sanitary fixtures and fittings and fixed water installations inside your home. 
  • We will cover complete failure of the electrical supply within your home as a result of a fault or damage to the fixed internal electrical installation
  • We will pay for the breakage of glazing to external windows or doors which render your home insecure.
  • We will cover the cost of a professional locksmith, in the case of your home being made insecure or if entry is impeded due to loss or theft of keys or damage to locks as a result of theft or any other accidental cause or in the event that a member of your household may have locked himself/herself in a room. 
  • In the case that access to your home cannot be restored immediately, an appointment for a security guard will be scheduled at the first available convenience until access can be secured
  • In the case that you are rendered and certified immobile by a medical advisor, an appointment for a janitor service will be scheduled at the first available convenience. 
  • In the case your home or part thereof is infested with pathogenic pest, an appointment for a pest controller visit will be scheduled at the first available convenience.
  • In the case you suffer a covered fire or theft loss at your home and require psychological rehabilitation, an appointment will be scheduled at the first available convenience. 
  • 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 food contained in your  refrigerator or your freezer, which is made unfit for human consumption, if this is damaged by a rise or fall in temperature or contamination by refrigerant or refrigerant fumes. 
  • 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.
  • We will pay for accidental loss and/or damage insured under this Policy to prams, pushchairs and wheelchairs whilst anywhere in Malta. 
  • We will pay you the cost of replenishing fire fighting appliances and accidental loss and/or damage to such appliances following an insured fire in your home. 
  • We will pay for loss of earnings and expenses you cannot get back as a result of serving as a juror for a period in excess of 14 days. 
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