Home Insurance

We all work hard and think about how to provide for our future. Some of us work to own our own property and enjoy living in our private residence with everything we could possibly need in it. Safeguard what you have worked so hard for, with a home insurance plan.

Why Choose This Plan?

Laferla is one of the leading home insurance providers on the market, with a vast amount of experience underwriting risks for family homes, summer houses and rental properties.

  • wide
    Very wide cover available
  • excellent
    Excellent prices and great benefits
  • Cover for Buildings, Contents, Personal Belongings and Public Liability
  • emergency
    24/7 Home Emergency Assistance Service via a dedicated call centre
  • calendar7
    7 Day claims settlement promise
  • 3levels-cover
    Customised cover for landlords and tenants


Throughout the course your lifetime, you will work hard with the aim of owning and enjoying your own private home and everything in it. This desire takes many years to fulfil. Like anything else in life, your property and possessions are at risk from dangers that are often beyond your control, and one disaster could easily wipe out everything you have spent years working so hard for.

Although it may not be possible to totally eliminate the risk of unforeseeable risks to your home, what can be reduced is the financial burden which may arise after such a disaster. This simple risk transfer is in essence the reason why it is of such importance for you to take out home insurance coverage.

Home Insurance Overview

Our home insurance policy provides cover for:

  • Accidental loss or damage to the buildings and/or contents of your home;
  • Accidental loss or damage to personal belongings and valuables whilst anywhere in Europe or worldwide;
  • Your liability to others; and
  • 24/7 Emergency Assistance, including plumber, electrician and locksmith service.

The standard cover also includes:

  • “New for Old” cover on all contents;
  • “Trace and Access” cover for burst pipes;
  • Temporary alternative accommodation following a loss;
  • Loss or damage to locks and keys;
  • Mechanical or electrical breakdown to air-conditioning and energy saving equipment;
  • Loss or damage to Christmas, wedding and graduation gifts;
  • Cover for personal money including credit and debit cards;
  • Damage to pedal cycles and sports equipment;
  • Loss of freezer contents; and
  • Cover for legal expenses.

Policy Documentation Downloads

Download our proposal form and full home insurance policy wording.

Home Insurance Policy Wording for policies taken up or renewed on or after 01/11/2023:

Home Insurance Policy Wording for policies taken up or renewed before 01/11/2023:

24/7 Emergency Assistance Services

The most innovative part of our Home Policy provides you with a 24/7 Emergency Repair Service to secure your home and prevent further loss or damage occurring following an emergency.

Motor Insurance Excess Waiver

If you hold both a private Comprehensive Motor Insurance Policy and also a Home Contents Insurance Policy with Laferla, we will waive the compulsory excess on your motor claim in the case of an accident.

Download the Insurance Product Information Document (IPID) for this product: