Can I insure a property in Malta that I don’t personally own?

Yes, this is a very common and entirely standard situation, since as a tenant you generally have what's known as an insurable interest in your personal belongings and contents within the rented property, even though you don't own the building itself, meaning you can purchase contents insurance specifically covering your own possessions, furniture, electronics, and similar items against risks like theft, fire, or water damage, entirely separately from any buildings insurance the landlord may hold covering the physical structure itself. It's worth understanding that your landlord's own buildings insurance policy, if they have one, would typically only cover the physical building and their own fixtures, not your personal belongings inside it, meaning without your own contents insurance, you would generally have no coverage at all for your own possessions if something happened, such as a fire or burglary affecting the rented property. When arranging contents insurance as a tenant, it's worth being clear with the insurer or broker about your specific situation, including confirming exactly what's covered given that you don't own the underlying property, to ensure the policy is properly tailored to genuinely protect your interests as a renter rather than assuming standard homeowner coverage terms automatically apply in the same way.