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.
✔️ 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.
💰 Do I Need "All Risks" Cover?
If you frequently carry expensive items outside your home, adding All Risks Cover provides extra protection.
📝 How to Insure Your Personal Belongings?
1️⃣ List items separately in your policy.
2️⃣ Provide valuation proof as well as proof of purchase (if possible) for high-value items.
3️⃣ Choose between EU or worldwide cover.
For full details on coverage limits and policy options, contact Laferla today!