Laferla Insurance Hamrun | Laurence Orsini

Home Insurance

Your home is your sanctuary, and where you keep your hard-earned valuables too. We’re here to protect what matters to you. Contact Laurence Orsini directly, the Tied Insurance Intermediary operating from the Laferla Insurance office in Triq Santu Wistin, Hamrun.

Residential Home Policy

• Buildings Cover:

Covers the ''Rebuilding” value, which should take into account the rebuilding of your home plus all the finishing works, electrical / water works, tiles, apertures, air conditioners, Kitchen, bathrooms etc. (Basically everything that is Fixed to the building and not readily moveable). Therefore this value can be different for two properties of identical size but finished to different standards.

• Contents Cover:

Covers the value of all contents within the home, including furniture, personal items, TVs, computers, etc. (Anything that is readily movable)

• All Risks Cover:

This is cover for specific items and will be extended in Malta and Europe or even Worldwide, not just in the home. This usually caters for jewellery, watches, phones, laptops, etc. which you may like to have fully covered outside of the home as well.

• Public Liability Cover:

This is standard and comes included in the price of the policy. It covers legal liability towards third parties, for damage or injury caused to them. This would for example cover claims for persons who are injured in your home and you are held liable; or to cover damages caused to neighboring properties in the event of a burst pipe, water leak or fire coming from your property, etc.

• 24/7 Emergency Assist Cover:

This is a very interesting feature of our home insurance policy and is also included as standard within the price. It is our 24 x 7 emergency assist service which is administered via our dedicated call centre number and provides you with immediate assistance in the event of a loss, say an electrician following an electrical surge or a locksmith after being locked out, plumber following a water leak, etc. All this is included and provides immediate temporary repairs following an emergency. You may then of course proceed to carry out permanent repairs which would be paid for under the policy (provided it is an insured loss, not a wear and tear situation).

Commercial Home Policy

Alternatively if you have a rental property and would like cover as a landlord we have a tailored policy for this. The 'Commercial Home' Policy. With our policies, you can have peace of mind knowing that your property and finances are protected against unforeseen circumstances.

• Buildings Cover:

Covers the ''Rebuilding” value, which should take into account the rebuilding of your home plus all the finishing works, electrical / water works, tiles, apertures, air conditioners, Kitchen, bathrooms etc. (Basically everything that is Fixed to the building and not readily moveable). Therefore this value can be different for two properties of identical size but finished to different standards.

• Contents Cover:

Covers the value of all contents within the home, including furniture, personal items, TVs, computers, etc. (Anything that is readily movable)

• Rent Default:

Covering Rent owed by the tenants under a lease agreement if they stop paying rent or leave before the end of the tenancy period, Loss of rent due to death of the sole tenant, Legal costs and fees incurred against the tenants to recover possession of the commercial home where the tenants fail to pay the agreed rent and the amounts owed.

• Public Liability Cover:

This is standard and comes included in the price of the policy. It covers legal liability towards third parties, for damage or injury caused to them. This would for example cover claims for persons who are injured in your home and you are held liable; or to cover damages caused to neighboring properties in the event of a burst pipe, water leak or fire coming from your property, etc.

• 24/7 Emergency Assist Cover:

This is a very interesting feature of our home insurance policy and is also included as standard within the price. It is our 24 x 7 emergency assist service which is administered via our dedicated call centre number and provides you with immediate assistance in the event of a loss, say an electrician following an electrical surge or a locksmith after being locked out, plumber following a water leak, etc. All this is included and provides immediate temporary repairs following an emergency. You may then of course proceed to carry out permanent repairs which would be paid for under the policy (provided it is an insured loss, not a wear and tear situation).