One of the advantages of having boat insurance is the peace of mind it provides to anyone venturing out onto the ocean. But simply taking out a policy doesn’t necessarily mean that all eventualities will be covered should an accident occur. Real equanimity comes from knowing precisely what you’re covered for, and ensuring you’ve clarified any grey areas before you agree on a policy. We’ve put together a list of some of the most commonly asked boat insurance coverage questions so you can arrange a deal and set sail with the utmost confidence.  Contents  ● What Factors Affect My Boat I ..read more

Once you’ve invested in your dream boat, taking out an insurance policy may not be at the top of your priority list. Instead, your mind is probably running at a thousand miles an hour thinking of the exciting boat trips you are about to set sail on, but stopping to consider the practicalities is an important next step. You won’t be the only boat owner taking out boat insurance, as global marine insurance premiums totalled $35.8 billion in 2023. It makes sense to protect your investment so you can enjoy taking your boat out on the water without worrying about costly incidents. Contents What is ..read more

Third-party liability boat insurance is required by any vessel harbouring an engine of 10HP or more, but it’s advisable for all those who enjoy life on the ocean. In the US alone, more than 5,000 recreational boating accidents occur every year, with the majority of these being on calm waters. Alongside personal injury and damage to your vessel, an unintentional accident may leave you liable for damages, resulting in a very costly bill if your policy is inadequate. Let’s take a look at what boat insurance covers and the specifics every seafarer needs to be aware of whenever they take to the oce ..read more

Recent figures placed the number of boat owners in Malta at over 20,000 – far more than the 2,422 marina berths within the country’s waters. Such figures may not compare to the number of homeowners or those driving cars, but they’re considerable and increasing year-on-year. Even though figures show that most recreational boats in Europe only take to the seas around 10 times per year, accidents can still occur, to boats, their passengers, docking bays, and other buildings. The issue of liability is less-well-known when it comes to sea-faring vessels – here we’ll answer the question ‘is boat ins ..read more

Air conditioning units are subject to specific terms and conditions should it come to making a claim. Should anything untoward happen to your device(s), it’s essential to know your rights before contacting your insurer. From a unit’s age to its condition and the causes behind any damage, let’s take an in-depth look at navigating the world of A/C insurance. For your air conditioning unit to be covered by a home insurance policy with GasanMamo, it will be covered through ‘buildings insurance’, which is an automatic extension of our wider home insurance policy. Contents When are Air Conditioning ..read more

Given the multitude of potential incidents that can befall a property, it really pays to become acquainted with your home insurance policy. Structural damage claims are complicated and different from regular property damage, with their own legal definition. Understanding your rights and responsibilities as a homeowner is important before making any claim. Read on as we investigate: does home insurance cover structural damage? Contents Structural Damage: A Definition So, Does Home Insurance Cover Structural Damage? What Structural Damage is Covered by Home Insurance? Preventing Structural Dama ..read more

The catch-all question when it comes to any insurance policy is ‘what am I covered for?’ Anything that you can insure comes with its own grey areas. The main issue of wear and tear is one that crops up time and time again in the home insurance world.  Contents  ● So, does Homeowners Insurance Cover Wear and Tear?  ● Examples of Wear and Tear  ● Other Perils NOT Covered by Home Insurance  ● Preparing for Wear and Tear  ● Conclusion  So, Does Homeowners Insurance Cover Wear and Tear?  No matter where you are or who you buy home insurance from, it’s unlikel ..read more

Knowing if your home insurance policy covers your personal belongings is essential. Many home insurance policies exist, and different providers often cater to different needs. Whether you’re a homeowner or just renting a property, let’s look at personal possessions cover and the considerations needed before agreeing on a premium.  Contents  ● Personal Belongings and Contents Insurance  ● What Does Contents Insurance NOT Cover?  ● Calculating the Cost of Personal Belongings  ● What if You’re Away from Your Property?  ● Conclusion  Personal Belongings and Conte ..read more

Understanding the different types of home insurance can be a minefield for anyone starting out. Even those with policies for decades may not have found the best deal for their needs. Given that we all live in different-sized dwellings and have different possessions, it’s worth finding a premium that’s wholly tailored to personal circumstances and will offer peace of mind.  Contents  ● The Different Types of Home Insurance  ● Other Names for Home Insurance Types  ● Who Needs Home Insurance?  ● Additional Coverage in Home Insurance  The Different Types of Home Insur ..read more

Many of those renting properties – as opposed to buying them – may not have considered home insurance. Although tenants may not have to pay the same premiums as homeowners, they can still be responsible for damages, and held to account financially. In this piece, let’s answer the question, ‘What is tenant insurance?’ and the legal liabilities that all renters should be aware of. Contents What is Tenant Insurance, and Why Do I Need It? What Does Tenant Insurance Cover? What is NOT Covered by Tenant Insurance? Further Considerations Conclusion What is Tenant Insurance, and Why Do I Need It? So ..read more