Emika Watanabe Ltd — Insurance Guidance in Malta

Home insurance Malta

Guidance for home and property insurance in Malta

Contact our Fgura office about insurance enquiries for your home, contents, rented property or responsibilities as a landlord. We act as a tied insurance intermediary for Argus.

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Understanding a home insurance enquiry

A useful discussion starts with the property, how it is occupied and what you want to protect. Buildings and contents are different interests, and rented or landlord-owned properties may require different information from an owner-occupied home.

We help collect the information needed for an Argus enquiry and explain the documents associated with an available quotation. The applicable policy wording determines the insured events, limits, conditions and exclusions.

Information worth preparing

  • The property address and type of residence.
  • Whether it is owner-occupied, rented or let to tenants.
  • Construction and security information requested for the enquiry.
  • Rebuilding and contents figures you wish to discuss.
  • Previous policy details or a renewal notice when relevant.

Homeowners, tenants and landlords

Your own home

Ask about buildings, household contents and the information needed to consider an available home option.

Rented homes

Tell us whether you are the tenant or property owner so the enquiry can be approached correctly.

Landlord-owned property

Explain the property’s use and occupancy. Do not assume a standard owner-occupied arrangement applies to a let property.

Home insurance questions

Can landlords and tenants make enquiries?

Yes. Explain your relationship to the property because the relevant interest and information can differ for an owner, landlord or tenant.

How should I value my building or contents?

The appropriate basis should be checked carefully using the guidance supplied with the relevant insurance documentation. If needed, obtain an appropriate professional valuation rather than relying on an unsupported estimate.

Does an online enquiry mean I am insured?

No. Cover begins only following acceptance and confirmation in accordance with the applicable terms.

Important information

Read the policy documents

Emika Watanabe Ltd acts as a tied insurance intermediary for Argus Insurance Company (Europe) Limited, Malta Branch.

Website information is general. Cover, limits, conditions and exclusions are governed by the applicable quotation and policy documents.

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