HOME INSURANCE

SUMMARY

• Insurance for building and contents against damage caused by fire, smoke damage, explosion, lightning, earthquake, storm, flood, riot, malicious persons, escape of water from burst pipes or tanks or of oil including trace and access, theft, collision by vehicles or animals, collapse of aerials, falling trees, poles and posts
  
  
• Plus there's cover under Contents for Liability following loss of credit cards in Malta, replacement of locks, money, frozen food, loss of money, contents temporarily removed and in transit, property in the open, accidental damage to mirrors, fixed glass in furniture and hobs, tenants liability, christmas/ wedding presents, metered water and oil, documents, accidental damage to home entertainment equipment .
  
  
• And there's cover under Buildings for accidental damage to fixed glass in windows, ceramic hobs, fixed sanitaryware and bathroom fittings, underground pipes and cables. Buildings cover also includes architects’ fees and debris removal in the case of damage to building as well as rent and alternative accommodation.
  
  
• Automatic death benefit of €7,000
  
  
• The policy has several options for Personal Belongings, Personal Accident, Annual Travel, Frozen Foods and Caravan.
  
  
• Benefits include full theft cover, "new for old' basis of claims settlement, free personal liability cover up to €600,000 plus if you insure your Contents and employ domestic staff, cover is provided for your liability in respect of bodily injury to staff.