At MelitaUnipol Insurance Agency, we understand that your home is more than just a building, that’s why we provide home insurance Malta that has a wide level of protection against events which could severely damage your home’s structure, contents or your personal effects. Home insurance can safeguard your most valuable asset from unforeseen events. Our home insurance Malta covers accidental loss and/or damage to the buildings and contents insurance covers contents of your home, accidental loss and/or damage to personal belongings and valuables, your liability to others and home assistance and emergency services. Protect your home and everything in it with home insurance from MelitaUnipol Insurance Agency. Get a home insurance quote today and let us help you safeguard your most valuable asset.
Why choose MelitaUnipol Insurance Agency for Home Insurance in Malta?
Protect your biggest investment
Benefits of Home Insurance Malta
Our home insurance Malta policy provides comprehensive protection for homeowners against potential damages to their home building, contents and personal effects. MelitaUnipol’s home insurance has many benefits and advantages including, coverage for unexpected breakdown or damage to tap water piping, coverage for complete failure of the electrical supply, pest controller and many more. Contact us today and learn more about our home insurance Malta benefits.
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General Conditions of MUIA’s Home Insurance in Malta
At MelitaUnipol, our home insurance policy covers damage to the building, contents and personal effects. Our home insurance policy includes 24/7 emergency repair service, coverage for architects’ and surveyors’ fees and coverage for removing rubble or propping up damaged parts of the buildings. If the home is uninhabitable, the home insurance policy will cover the rent as well as any additional costs incurred to accommodate family and pets. The home insurance policy also covers the cost of changing locks if keys are lost or stolen, accidental damage to locks and loss or damage to personal belongings and valuables. The home insurance policy includes coverage for legal liability as a homeowner or occupant.
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Requirements & Restrictions of MUIA’s Home Insurance in Malta
The policyholder of home insurance must take reasonable measures to prevent loss or damage to property insured under the home insurance policy and keep it in good condition. However, there are several restrictions to the home insurance policy. For instance, it does not cover maintenance costs or those covered by warranties or contracts. Also damages resulting from rust, wear and tear, construction or installation defects and natural causes are excluded from coverage. It is essential to understand these restrictions to make an informed decision when choosing a home insurance policy in Malta that satisfies your requirements.
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The standard cover also includes:
- Temporary alternative accommodation following a loss.
- Mechanical or electrical breakdown to air-conditioning and energy saving equipment.
- Trace and Access
- Loss or damage to Christmas, wedding and graduation gifts.
- Loss or damage to locks and keys.
- Refrigerator/Freezer contents.
- Personal money including credit and debit cards.
- Prams, Pushchairs and Wheelchairs
- Pedal cycles and sports equipment.
- Fire Extinguishing Expenses.
- Legal expenses.
- Metered water and oil
- Fatal Accident
- Benefit for Court Attendance
The Product is manufactured by MMS and distributed by MelitaUnipol Insurance Agency Ltd
Home Insurance FAQs
Our home insurance policy in Malta is on an accidental damage basis. Therefore, any loss or damage which happens suddenly and unexpectedly is considered to be accidental and thus covered under the home insurance policy unless specifically excluded.
Valuables which can be insured with home insurance Malta are stamp, coin or medal collections, antiques (not including furniture), collectibles, pictures, painting and other works of art, items of gold, platinum silver or other precious metal, jewelry, watches and furs. It is important that you specify any items which value is over €300.
Yes, however you need to inform us that the use of this home is for commercial purposes.
Home insurance Malta, including contents insurance, is a vital tool for protecting your most significant asset against unexpected risks and damages. From coverage for damage to the structure of your home and its contents to liability protection, a comprehensive home insurance policy offers peace of mind and financial security. It is essential to choose a policy that fits your specific needs and budget, considering the requirements and restrictions outlined in the home insurance policy. By carefully evaluating your options and consulting with MelitaUnipol’s experienced insurance professionals, you can find a home insurance policy that provides you with the protection you need to safeguard your home and its contents in Malta.
