BBVA Allianz Home Insurance

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.

Essential, Plus, More Security, and Comprehensive Coverage include the following at no additional cost:

• Home assistance: you have a network of professionals available for home repairs such as locksmiths, electricians and security personnel.
• Maintenance due to use and deterioration: you have professional help for certain maintenance work.
• DIY service (Handyman) to perform small jobs and repairs in your home.
• Home and online computer assistance.
• Legal advice and protection for you and your family.
• Pet and plant assistance: you have a phone number to ask us everything you need about dogs, cats and plants.
• Coverage against illegal occupation:

1. Advice and assistance for occupation: Telephone legal advice to resolve legal queries, 24-hour urgent telephone assistance in case of occupation and real estate advice.
2. Legal defense against illegal occupation, non-payment by tenants in rented homes, and rights related to lease agreements.
3. Temporary accommodation due to occupancy of the insured dwelling.
4. Loss of rental income due to non-occupancy (a tenant who, after signing a lease, fails to pay the first or second month’s rent without vacating the property) and due to occupancy in vacant properties listed for rent.
5. Utility expenses during occupation (water, gas and electricity).
6. Damage caused by acts of vandalism during the occupation.
7. Changing the locks after the eviction.
8. Cleaning up after the evacuation.
9. Civil liability for damages to third parties during occupancy.

Comprehensive Coverage, all of the above and more:

• Pest control.
• Preventive unblocking in single-family houses: one unblocking of water drainage pipes per year to prevent water damage.
• Express service: commitment to improve the time required to attend and respond to claims.

• To take out home insurance, the property must be in Spain and meet certain requirements related to its age, construction materials, location and ownership.
• Both the amounts established for the building and the contents and the characteristics declared for the property must be accurate throughout the term of the policy.
• At the time of signing up, you must provide the complete address of the property or, if available, the land registry reference.

To enjoy the BBVA Plan EstarSeguro, you need to sign up for the BBVA Plan EstarSeguro card, free of interest charges, fees or extra costs. Credit card subject to approval by BBVA. The BBVA Plan EstarSeguro card can only be used to pay the premiums of certain insurance policies. Offer valid until 01/31/2027, after which date it will be renewed annually, provided there are no changes in the conditions.

For a transaction of €600 payable in 12 months at a nominal annual interest rate of 0%, the total amount payable would be €600 in monthly payments of €50 each; the resulting APR, annual percentage rate, will be 0%.