Homeowners insurance that’s just right for you
Your home is possibly your biggest investment – unfortunately there are so many things that can go wrong. Home Insurance is designed to protect your home against damages to the house itself and the possessions inside your home. It also provides coverage for your liability to others.
Some insurance policies contain multiple extensions of cover including home assistance as well as emergency services amongst many others.
Buildings
Within the scope of home insurance, Buildings is normally better defined as your home, all its permanent fixtures and fittings including the fitted kitchen, all fixed glass and sanitary fittings. It also includes all boundary walls, gates and fences as well as any patios, terraces, driveways etc. The definition of Buildings would also normally include all permanently installed air conditioning equipment, tanks, aerials or satellite dishes, photovoltaic systems and solar heating systems. In the case of apartments, this section would generally also include your share of common areas.
Contents
Contents generally refer to all your household goods and personal belongings. This would normally include all electronic devices and equipment, furniture, kitchen appliances, clothes and linen etc. This section also includes all valuables as well as money.
All Risks
Home Insurance offers the possibility to cover personal belongings and valuables outside your home as well. Items normally included under this section would be jewellery, watches, laptops and mobile phones. Cover can be offered for these items whilst anywhere in Malta, anywhere within the European Union or even anywhere world-wide.
In most cases, these items have to be specified to the Insurer.
Please fill in the following form to make a
Home Insurance Claim:
Please fill in the following form to ask for a
Home Insurance Quote:
Frequently Asked Questions
How can I make sure that I have the correct Sums Insured?
When it comes to your Buildings, the sum insured should represent the rebuilding cost of your property. In order to obtain an accurate sum insured on your buildings, you might opt to appoint an architect to establish it for you.
On the other hand, the total sum insured on your contents should represent the total you would require in order to replace the items with equivalent new ones.
Can I insure only part of my Buildings and/or Contents?
You must always insure for the total value of your buildings and contents. Should you under-insure, your claim would be reduced by the amount you under-insure.
Will I be covered if I drop any of my contents?
Most home insurance policies provide accidental damage cover to a number of items including televisions, computer equipment, game consoles, audio equipment etc. Other items typically included would be mirrors, fixed glass in furniture etc. Other items, not included automatically, might also be insured under ‘All Risks’ cover.
Who can evaluate my paintings, silverware, antiques or jewellery?
We advise you to value your antiques and other valuable items at an antiques dealer and any jewellery at a certified jeweller in Malta.
What is Personal Accident Cover and why do I need it?
Personal Accident cover can be further defined as cover against accidental bodily injury or death whilst anywhere in the Maltese Islands. Most Insurers also extend this cover whilst you are on holiday or business anywhere in Europe for visits up to a specific duration.
This cover normally includes lump sum payments in case of ‘Death’ or ‘Permanent Disability’ as well as weekly benefits up to a specified limit in case of ‘Temporary Disability’.
Will I be covered if my house is unoccupied?
The absolute majority of home insurance policies will cover you in full if the house is left unoccupied for a maximum period of 90 consecutive days in any one period of insurance. Should the period of 90 days get exceeded, a number of exclusions will automatically apply. These exclusions might vary from one Insurer to another.
Can I insure my property which is still under construction?
Yes – most Insurers will provide insurance cover for a home which is still being constructed.
All you need to know
Switch with VING
Most people always have doubts as to whether they are getting the right insurance cover or paying the right premium. The process of obtaining various quotations from different insurance companies in order to compare the different aspects of cover as well as premium might be too complex or time consuming, so they end up never making the switch.
This is where VING comes in – we are Insurance Brokers, and that is our job. We will obtain various quotes from different Insurers, analyse them and advise you on the various aspects of cover and premium. You will not incur any additional costs at all by using our services. We get paid by means of commissions payable by insurance companies or agencies we place business with.
When to switch
Customers normally think about switching insurance companies when their policies are up for renewal.
We advise you otherwise – you don’t have to wait – Switch to VING today.
All you have to do is appoint us as your Insurance Brokers – we will take over all your current insurance policies as well as assist you with any active claims you might have. Once your policies are up for renewal, we will obtain other quotations on your behalf and get you the best possible cover at the most competitive rates.
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