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.
Más, Más Seguridad and Cobertura Total:
- Breakages of windows, marble, sanitary ware, and glass-ceramic cooktops.
- Sound waves and impacts from outside caused by third parties.
- Electrical damage due to external short-circuit, overvoltage of the external network or lightning.
- Deterioration of food or medicines due to refrigerator breakdown or power failure.
Más Seguridad and Cobertura Total:
- 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.
Total Coverage:
- 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.
Additionally, extra services in all options (Esencial, Más, Más Seguridad and Cobertura Total)
- 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.
- Pet and plant assistance: you have a phone number to ask us everything you need about dogs, cats and plants.
- Home and online computer assistance.
- Legal advice and protection for you and your family.
Extra services only in Full Coverage
- 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.
