Maltese Holiday Home Insurance
Protect your property in Malta with a comprehensive insurance policy. We offer an uncomplicated way to compare quotes from top insurers, helping you secure the right coverage at the most competitive price.
Gain peace of mind from knowing your Maltese property is fully protected, whether you are at your property or some distance away.
Insuring your investment should be a simple process. We simplify finding the perfect policy by gathering quotes from trusted Malta holiday home insurance specialists. Compare different plans to find the one that best suits your specific needs, enabling you to fully relax and enjoy your time in Malta with complete confidence.
The policies we provide are designed specifically for owners of overseas holiday homes, offering protection that a standard home insurance policy would not. We can also provide home insurance solutions for British expatriates living abroad..
Many insurance companies will not offer insurance for overseas holiday homes due to the additional insurance risks associated with holiday homes, for example:
- Many insurance providers are reluctant to insure overseas holiday homes because of the additional risks they carry. For instance:
- Public Liability Risks: Holiday homes can pose a greater risk for public liability claims because the owner is frequently absent when guests or visitors are present. Additionally, holiday homes often have more guests than a typical residence and features like swimming pools introduce greater hazards.
- Unoccupied Periods: Holiday properties are often left empty for long periods, especially during the low season, which increases the chance of incidents like burst pipes, theft, and malicious damage or vandalism. If a fire or flood does occur, the resulting damage can be more severe because it may take longer to be reported and addressed.
Our specialist Maltese holiday home insurance differs from ordinary home insurance in several key ways, as it can also include:
- Public Liability
- Protection against legal responsibility for injury to guests or other third parties, or for damage to their property (for example, if there is an accident at your holiday home for which you are legally liable).
- Employers Liability
- Covers you if you are found legally responsible for an injury to any domestic staff or contractors you employ, whether full-time, part-time, or on an unpaid basis (e.g., a cleaner working at your property).
- Swimming Pool Cover
- Includes your pool under the same coverage as the main buildings insurance and provides compensation for loss of use if the pool is damaged.
- Theft
- Protection for the theft of contents, even while the property is occupied by guests.
- Loss of Rent
- Coverage for lost rental income from your holiday home due to an incident such as a fire, theft, or flood.
- Alternative Accommodation Costs
- Reimbursement for the extra costs of arranging alternative accommodation after a covered incident.
- Accidental Damage Cover
- Insurance for accidental damage to both the buildings and contents of your holiday home, including when it is let out commercially.
- Legal Expenses
- Provides coverage in the event of a legal dispute.
The true value of your holiday home insurance becomes most apparent when you need to make a claim. Our service provides valuable benefits, including:
- UK based claims centres: Our claims teams are located in the UK with English-speaking staff.
- Clear Policy Wording: Policies are written in straightforward English.
- Specialist Liaison: When required, our English-speaking staff will coordinate with overseas loss adjusters.
- Market Specialists: You will be dealing with experts in the UK holiday home market.