This insurance provides protection to your home buildings, contents and your personal effects. Our Home policy offers you a 24/7 emergency repair service to secure your home and prevent further loss or damage following an emergency. Policyholders may reach our 24/7 Call Centre on 2248 0200.
- You are covered against loss or damage to the buildings and contents of your home. That excludes fences, gates, paths, drives, hedges, trees, shrubs, flood, plants and lawns, falling trees or branches.
- We will pay architects’ and surveyors’ charges to repair any loss or damage protected under this policy. We also cover the cost of removing rubble or propping up the damaged parts of the buildings. This comprises the costs of meeting building regulations or local authority bye-laws. Costs which are not agreed by us in advance are not covered.
- If your home is unhealthy to live in as a result of any loss of or damage insured, we will pay your rent including reasonable additional costs to accommodate your family and pets who normally live in your home, during the period needed to restore your home.
- If you lose the keys to the inside or outside doors of your home, or to the safes or alarms in your home, or they are stolen, we will either pay the cost of changing parts of the locks, or the charge to replace the locks. Also we cover the accidental damage to the locks of the outside doors, safes or alarms.
- We cover accidental loss or damage to personal belongings and valuables (anywhere in Malta). We will pay for loss of personal money in Malta and financial loss, proceeding from any credit and debit cards issued in Malta and being robbed or accidentally lost, and consequently used by someone other than you. We do not cover any loss due to confiscation, depreciation in value, or errors or omissions in receipts, payments, or accountancy with credit and debit cards regulations.
- We will cover you against your legal liability for damages and expenses incurred exclusively as owner, or occupier if anyone, other than you, is accidentally injured, falls ill or dies.
- In the event of your death, we will also cover your legal personal representatives in respect of your liability covered by this policy.