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For most of us, our home is the most valued possession and we cannot afford to leave it unprotected.  Insurance does not stop accidents from happening, but when they do occur, compensation paid for the loss enables us to to restore the damage.  The Gardjola Home Policy is designed to help you choose the best cover.

The main risks insured are:

Fire,  Lightning and Explosion Burglary
Storm and Flood Escape of Water
Vandalism and Malicious Damage Riots, Strikes, Labour & Political Disturbances
Impact by vehicles, aircraft or animals Falling tree and branches
Breakage and collapse of aerials Rent
Damage to public services Sale of home
Breakage of fixed glass and sanitary fixtures Cost of replacing locks and keys
Property owner's liability Property in the open
Accidental damage audio visual equipment and computers
Contents temporarily removed Liability as tenants
Fatal injury Liability to the public
Conmmon areas for apartments Accidents to servants and damage to their goods

Extending your Policy

"All risks" Family Public Liability
Pedal cycles Sports equipment
Personal accident Food in freezers
Legal expenses Accident damage
New for old (for contents) Presents and Gifts
Full thefts cover Earthquake Cover

Assessing the Sum Insured

Buildings Contents
Buildings should be insured for the full reinstatement cost (that is, the full cost of when new, including outbuildings) and not the market value..


Home Insurance Proposal Form

Contents Valuation Checklist

In order to download the forms you need the Acrobat Reader. Click here to download the latest version for free.





The best way to assess the value of your possessions is to have a checklist.  Cordina Insurance Agency Ltd., has out a checklist online for your convenience in order to assess your contents in the best way.

New for Old cover

SOVAG will pay the full cost of an equivalent new article when the original object is lost or totally destroyed. In this case, the sum insured should be calculated on this basis

Indemnity Cover

Indemnity will place you in the financial position after a loss as you were immediately before.  Therefore you need to insured your goods on the basis of buying new replacements, less a deduction for wear & tear depending on the age and condition of the particular goods.

DOWNLOAD the Checklist for Contents Valuation Now.