If you have ever stopped to sum up all that you have spent on building and furnishing your home, you will soon realise why it is so important for you to have adequate cover for both the buildings and the contents of your residence.

Insuring your home is cheaper and less complicated than most people think. All you need to do is to establish what it would cost you to rebuild your property to the same specifications to which it is finished now.

The Buildings Sum Insured should reflect the actual rebuilding cost of your property (not the market value) including its permanent fixtures and fittings being bathrooms, doors and apertures, staircases, fitted air-conditioning systems and fitted kitchens.

The Contents Sum Insured  should reflect the actual replacement value of all movable property contained in your home being furniture, household goods and personal belongings which belong to you or for which you are legally responsible.  To help you arrive at a proper New for Old Sum Insured you can use our Home Contents Guide. You will not be asked to produce an itemised list of all your contents  however you will be asked to give details of particular items valued over Lm1000, such as curios, works of art, jewellery, silverware, furs, etc.

You can also cover your most precious items on an All Risks basis whilst these are both within or outside your residence. In such cases, a complete itemized list will also need to be supported by receipts or valuations.

The Cover Provided
Our comprehensive Household policy provides cover for loss or damage sustained to your Buildings and/or Contents as a result of :-

• Fire, lightning or Explosion

• Smoke

• Storm or Flood

• Riot, Strikes, Labour or Political Disturbances & Malicious Acts or Vandalism

• Water Escaping from washing machines or dishwashers or any other domestic appliance or water tanks, pipes or fixed installations including heating systems

• Oil or fuel oil escaping from a fixed heating installation

• Theft or attempted theft

• Falling trees or branches

• Collision by aircraft or other flying objects or anything dropped from them

• Collision by vehicles or animals

• Earthquake, volcanic eruption or subterranean fire or any such convulsions of nature

• Falling radio and television receiving aerials or satellite dishes, their fittings and masts

• Architects’, surveyors’ fees , debris removal or demolishment expenses and the cost of meeting building regulations, to repair the buildings

• Rent received or payable during the period necessary to restore your home to a condition to live in

• Accidental Damage to Drains , drains inspection covers, pipes, cables and underground tanks for which you are legally responsible

• Accidental Damage to Air conditioning equipment which is permanently installed following mechanical or electrical breakdown (subject that the equipment is not more than five years old and provided annual maintenance is carried out)

• Accidental damage to all fixed glass and sanitary fittings

• Accidental damage to buildings and/or  Contents (subject to having selected Enhanced Cover)

• Accidental damage to radios, television sets (including cable and satellite receivers), DVD players, game stations, home computers, recording and audio equipment and home entertainment equipment (applicable if Contents cover is insured)

• Replacement of locks and keys following theft, loss or damage (applicable if Contents cover is insured)

• Freezer Contents (applicable if Contents cover is insured)

• Personal Money and Credit Cards within the Maltese Islands (applicable if Contents cover is insured)

• Legal Expenses (applicable if Contents cover is insured)

• Personal Accident (applicable if Contents cover is insured)

• Your legal liability for damages to third parties claimant’s costs and expenses (if Buildings only is insured solely liability incurred as owner is covered and if Contents only is insured solely liability incurred as occupier is covered)

Discounts 

The rates on our Household Policy are very competitive and you may also benefit from the following discounts

• Middlesea Insurance plc shareholder's discount (amount of discount depends on number of shares held)
• Reduced rates if you are a ‘kartanzjan’ Holder.
• 10% discount if you already have a Motor or Health policy insured with us.
• 10% discount on the contents section premium if your house is alarmed.

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