Esencial, Más, Más Seguridad and Cobertura Total
- Fire, explosion, smoke and total ruin.
- Water and other liquids damage.
- Damage due to atmospheric phenomena: heavy rain, strong wind, lightning, hail and excessive snow.
- Aesthetic restoration (if a loss aesthetically affects your insured property), debris removal, salvage and firemen's fee.
- Substitute residence: expenses, for a maximum of one year, for the rental of a dwelling due to a loss that renders your habitual residence uninhabitable.
- Loss of rent: amount, for a maximum of one year, of the rent that you do not receive from your rented property due to a loss that renders it uninhabitable.
- Theft damage to the building if you are robbed or attempted to be robbed.
- Replacement documents and computer files.
- Public liability for the property and domestic staff.
Plus, More Security, and Comprehensive Coverage—all of the above and more:
- Breakages of windows, marble, sanitary ware, and glass-ceramic cooktops.
- Sound waves and impacts from outside caused by third parties.
- Electrical damage caused by an external short circuit, a power surge from the external power grid, or a lightning strike.
- Deterioration of food or medicines due to refrigerator breakdown or power failure.
More Security and Comprehensive Coverage, all of the above and more:
- Robbery inside the insured property.
- Robbery outside the main residence.
- Fraudulent use of your cards due to theft, loss or fraud.
- Damage to your property if you are robbed or attempted to be robbed.
- Replacement of locks due to theft of keys.
- Acts of vandalism by third parties.
Comprehensive Coverage, all of the above and more:
- Fully Comprehensive Accident Insurance: accidental damage to your property inside your home, even for causes not included in the policy.
- Leaks in walls and façades due to heavy rain.
- Electrical damage due to internal short circuit.
- Lock replacement due to lost keys.
- Employee fraud: property stolen from the home by domestic staff.
- Temporary relocation of insured property: damage or theft of your property in a temporary dwelling other than your usual one, or during transportation.
