Overview
If you own high-value personal items, insuring them specifically under the Personal Belongings Cover Section within your Laferla Home Insurance Policy ensures they’re protected inside and outside your home.
What Items Should Be Insured Separately?
- Jewellery & Watches – Expensive pieces should be listed individually.
- Laptops, Smartphones & Cameras – Essential for work and travel.
- Musical Instruments & Sports Equipment – Guitars, bicycles, golf clubs, etc.
- Designer Handbags & Accessories – If their value exceeds standard policy limits.
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Any individual item you would like insured outside of the home.
How Does This Cover Work?
- Protection against accidental damage, theft, or loss.
- Cover applies inside and outside your home (optional EU or worldwide cover).
- Items must be specified individually in your policy, otherwise they will not be adequately covered outside your home.
How to Insure Your Personal Belongings?
- List items separately in your policy.
- Provide valuation proof as well as proof of purchase (if possible) for high-value items.
- Choose between EU or worldwide cover.
Please note that if you frequently carry expensive items outside your home, adding All Risks Cover provides extra protection.
For full details on coverage limits and policy options, contact support on info@laferla.com.mt to submit a ticket.