What does home insurance cover?

From less to more, check your protection.

Essential

  • Yes, it covers
    • Fire, explosion, total ruin and salvage.
    • Aesthetic restoration.
    • Water and other liquids damage.
    • Adverse atmospheric phenomena.
    • Public Liability.
    • Damage directly caused by robbery of premises.
  • Does not cover
    • Breakage of glass, marble, sanitary ware, glass ceramic and impacts from the outside.
    • Damage due to electricity from external causes, such as power surges or dips, and refrigerated goods.
    • Theft inside the dwelling and damage caused to the contents.
    • Robbery outside the home, fraudulent use of cards and acts of vandalism.
    • Change of lock due to theft or loss of key.
    • Accidental All Risks, leaks in walls and facade due to heavy rain, employee infidelity, internal short circuit and temporary relocation of insured property.
    • Some causes not described in the insurance conditions, such as breakdowns in household appliances due to wear and tear.

More

  • Yes, it covers
    • Fire, explosion, total ruin and salvage.
    • Aesthetic restoration.
    • Water and other liquids damage.
    • Adverse atmospheric phenomena.
    • Public Liability.
    • Damage directly caused by robbery of premises.
    • Breakage of glass, marble, sanitary ware, glass ceramic and impacts from the outside.
    • Damage due to electricity from external causes, such as power surges or dips, and refrigerated goods.
  • Does not cover
    • Theft inside the dwelling and damage caused to the contents.
    • Robbery outside the home, acts of vandalism and fraudulent use of cards.
    • Change of lock due to theft or loss of key.
    • Accidental All Risks, leaks in walls and facade due to heavy rain, employee infidelity, internal short circuit and temporary relocation of insured property.
    • Some causes not described in the insurance conditions, such as breakdowns in household appliances due to wear and tear.

More security

The most contracted option.

  • Yes, it covers
    • Fire, explosion, total ruin and salvage.
    • Aesthetic restoration.
    • Water and other liquids damage.
    • Adverse atmospheric phenomena.
    • Public Liability.
    • Breakage of glass, marble, sanitary ware, glass ceramic and impacts from the outside.
    • Damage due to electricity from external causes, such as power surges or dips, and refrigerated goods.
    • Theft within the property and damage to the building and contents.
    • Robbery outside the home, acts of vandalism and fraudulent use of cards.
    • Lock change due to key theft.
  • Does not cover
    • Lock change due to loss of keys.
    • Accidental All Risks, leaks in walls and facade due to heavy rain, employee infidelity, internal short circuit and temporary relocation of insured property.
    • Some causes not described in the insurance conditions, such as breakdowns in household appliances due to wear and tear.

Total Coverage

  • Yes, it covers
    • Fire, explosion, total ruin and salvage.
    • Aesthetic restoration.
    • Water and other liquids damage.
    • Adverse atmospheric phenomena.
    • Public Liability.
    • Breakage of glass, marble, sanitary ware, glass ceramic and impacts from the outside.
    • Electrical damage due to external causes, such as power surges or dips, internal short circuits and refrigerated goods.
    • Theft within the property and damage to the building and contents.
    • Robbery outside the home, acts of vandalism and fraudulent use of cards.
    • Lock change due to theft or loss of keys.
    • Accidental All Risks, leaks in walls and facade due to heavy rain, employee infidelity and temporary relocation of insured property.
  • Does not cover
    • Some causes not described in the insurance conditions, such as breakdowns in household appliances due to wear and tear.

BBVA Allianz Home Insurance

Additional services included

  • For all types
    • Maintenance and handyman: Professional help for minor home improvements and repairs due to wear and tear.
    • Technological assistance: online and in-home technical support for computers, tablets and smartphones.
    • Legal defense: legal advice and protection for you and your family in labor defense, contracts, supplies and more.
    • Pets and plants: telephone inquiries related to pets and plants.
    • Coverage for illegal occupation of your home: you have access to a range of cover that will provide you with the reassurance and support you need in the event your home is occupied unlawfully.
    Only with Total Coverage:
    • Pest control treatment by a professional.
    • Preventive unblocking of water drainage pipes in single-family houses.
    • Express service with our commitment to attend to you on a priority basis.

To compare options, download what they cover