Laferla’s Home Insurance provides different types of cover to protect your home and valuables. Here’s what each section includes:
🏠 Buildings Insurance
This covers the structure of your home and immovable fixtures, fittings and items, including:
✔️ Walls including plastering and painting, roof, floors including tiling/marble, and ceilings.
✔️ "M&E" (Mechanical & Electrical) installations, i.e. electrical and plumbing works.
✔️ Fitted kitchens, bathrooms, and built-in wardrobes.
✔️ Permanent fixtures such as Air Conditioning units, light fittings, PV (solar panel) systems and batteries.
✔️ Swimming pools, outbuildings (such as poolside rooms and sheds) and interconnected garages.
📌 Best for: Homeowners who want to protect their property from damage.
🛋️ Contents Insurance
This covers the movable items inside your home, such as:
✔️ Furniture, electronics, and appliances.
✔️ Clothing and household goods.
✔️ Valuables like jewellery and watches (up to a limit of €2,500 per item, unless specified).
✔️ Artworks, antiques, collectibles and collections (wines & spirits, art, coins & precious items, etc.).
📌 Best for: Homeowners who want to insure their furniture and personal belongings.
🎒 Personal Belongings Insurance
This optional cover protects your valuables even when taken outside the home.
This section typically covers items such as:
✔️ Mobile phones, laptops, and cameras.
✔️ Watches and jewellery.
✔️ Bicycles and sports equipment.
It covers you for accidental loss or damage, with EU or worldwide cover options available.
📌 Best for: Anyone who owns expensive personal items.
How Do I Choose the Right Cover?
🔹 If you own your home, consider both Buildings & Contents Insurance.
🔹 If you rent, you typically only need Contents Insurance.
🔹 If you wish to insure an object outside of your home, add Personal Belongings Cover.
For more details on policy limits and exclusions, check your policy document or contact us today!