Atlas Home Insurance

Insurance cover for more than you think

Atlas offers three levels of cover: our HomePlan is the gold standard in home insurance, and you can choose to insure your buildings, your contents or both. The SimplyBuildings policy is geared towards the requirements of a home loan at a very beneficial rate.

You’ll be surprised to learn how many things are covered and what a reasonable price home insurance is. Below is a simple summary of the benefits of home insurance: see full summaries of the HomePlan or SimplyBuildings policies for more information.

What's CoveredSimply buildingsHomePlan BuildingsHomePlan Contents
Key Benefits
Fire (including smoke damage)
Storm and flood
Theft/attempted theft
Riots and malicious damage
Liability to third parties
Liability as landlord when property is rented out
Loss of rent/alternative accommodation following a major loss
Replacement of locks following loss or theft of keys
24/7 HomeHelp emergency assistance
Lightning and explosion damage
Damage following burst pipes/tanks and escape of water from various appliances
Accidental damage to televisions, personal computers, game consoles, hi-fi, etc, except for portable items such as laptops and tablets
Money kept at home
Valuables (jewellery, other articles of gold, silver and other precious metals, watches, furs, pictures, paintings, works of art, collections of stamps, coins and medals) 1/3 of content value is covered unless a higher limit is agreed
LIability to domestic staff
Other Benefits
Emergency entry costs
Damage due to collapse of aerials or satellite dishes or falling trees
Damage due to impact by vehicles or animals
Escape of oil from a fixed heating installation
Breakdown of air-conditioning units up to 5 years from purchase
Free continuation of cover if the property is left unoccupied for up to 90 days
Free continuation of cover if the property is left unoccupied
Lawns, plants, trees, ponds, statues in garden
Accidental breakage to fixed glass in windows and doors including fixed sanitary ware and bathroom fittings
Accidental breakage to mirrors and fixed glass in furniture tops
Accidental breakage to solar panels, shower screens and fixed ceramic hobs and glass doors in fitted appliances
Contents removed to the garden
Contents taken to other locations
Personal accident benefit cover to the Policyholder and/or spouse/domestic partner
Loss or damage to frozen food due to a temperature change or contamination by refridgerant fumes
Loss or damage to domestic staff and visitors' personal effects
Loss or damage to documents
Accidental loss of metered water or oil
Loss and misuse of credit cards
Automatic increase in sum insured during Christmas period and/or family wedding
Jury service in excess of 14 days
Liability of tenants to the building owner
Optional Benefits
Personal belongings insured outside your home (also known as All Risks) in Malta and up to 15 consecutive days in Europe. Worldwide cover is available as well, if contents are insured
Accidental Damage Extension
What's covered
Simplybuildings
Key Benefits
Fire (inc. smoke damage)
Storm and flood
Theft/attempted theft (full)
Riots and malicious damage
Liability to third parties (Up to €500,000)
Damage following burst pipes or escape of water from appliances
Other Benefits
Emergency entry costs
Damage due to collapse of aerials, satellite dishes, falling trees
Damage due to impact or collision by vehicles or animals
Escape of oil from a fixed heating installation
Free continuation of cover is property is left unoccupied for up to 30 days
Accidental breakage of fixed sanitaryware
Accidental breakage of fixed glass in ceramic hobs, PV Panels, glass oven doors and fixed furniture
HomePlan Buildings
Key Benefits
Fire (inc. smoke damage)
Storm and flood
Theft/attempted theft (full)
Riots and malicious damage
Public liability
Loss of rent/alternative accomodation following a major loss
Replacement of locks following loss/theft of keys
24/7 HomeHelp emergency service
Lightning and explosion damage
Damage following burst pipes/tanks and escape of water
Other Benefits
Emergency entry costs
Damage due to collapse of aerials, satellite dishes or falling trees
Damage due to impact by vehicles or animals
Escape of oil from a fixed heating installation
Breakdown of airconditioning units up to 5 years from purchase
Free continuation of cover is property is left unoccupied for up to 90 days
Lawns, plants, trees, ponds, statues in garden
Accidental breakage of fixed sanitaryware
Optional Benefits
Accidental damage on buildings under 15 years old
HomePlan Contents
Key Benefits
Fire (inc. smoke damage)
Storm and flood
Theft/attempted theft (full)
Riots and malicious damage
Liability to third parties
Loss of rent/alternative accomodation following a major loss
Replacement of locks following loss/theft of keys
24/7 HomeHelp emergency assistance
Lightning and explosion damage
Accidental damage to televisions, PCs, game consoles, hi-fi etc, except for portable items such as laptops and tablets
Money kept at home
Valuables
Liability to domestic staff
Other Benefits
Emergency entry costs
Damage due to collapse of aerials, satellite dishes, falling trees
Damage due to impact by vehicles or animals
Escape of oil from a fixed heating installation
Breakdown of airconditioning units up to 5 years from purchase
Free continuation of cover is property is left unoccupied for up to 90 days
Accidental breakage of mirrors and fixed glass including glass tops of furniture
Contents removed to the garden
Contents taken to other locations
Personal accident benefit cover to policyholder/spouse/partner
Loss/damage to frozen food
Loss/damage to domestic staff/visitor's personal effects
Loss/damage to documents
Accidental loss of metered water/oil
Loss/misuse of credit cards
Automatic increase in sum insured during Christmas period/family wedding
Jury service in excess of 14 days
Liability to building owner if property is rented out
Optional Benefits
Personal belongings insured outside your home (also known as All Risks) in Malta and up to 15 consecutive days in Europe. Worldwide cover is available as well, if contents are insured
Accidental Damage Extension