Atlas offers two levels of cover: SimplyBuildings and HomePlan. 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 about our extensive home insurance cover which is offered at a reasonable price! 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 Covered | Simply Buildings | HomePlan Buildings | HomePlan Contents |
|---|---|---|---|
| Key Benefits | |||
| Fire (including smoke damage lightning, explosion, earthquake) | |||
| 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 | |||
| 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 sum insured value is covered unless a higher limit is agreed | |||
| Liability to domestic staff | |||
| 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 | |||
| Other Benefits | |||
| Emergency entry costs | |||
| Breakdown of air-conditioning units up to 5 years from purchase | |||
| 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 | |||
| FREE Personal Accident for you and your spouse/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 | |||
Visit our Help and Support Area where you will find frequently asked questions about the Home Insurance policy and coverage.
