Individuals
Home insurance
Your home covered and, above all, your claim resolved.
Home insurance is judged on the day water comes into the living room. That is when it matters to have someone behind you who challenges the loss assessment on your behalf. We check that your buildings and contents sums insured are correct, because underinsurance is the most costly and most common mistake.
- Emergency assistance
- 24 h
- Sums insured reviewed
- Always
- Claims handling
- Included
What good home insurance covers.
The essentials, without the small print.
Bedroom
- Theft inside and outside the home
- Jewellery and valuables declared separately
Throughout the home
- 24-hour emergency assistance
- Home legal expenses
Living room Buildings and contents
Buildings and contents, properly valued.
Buildings means the structure itself: walls, floors and installations. It is insured for its rebuild value, not the market price of the flat.
Contents are everything you would take with you when moving house. We go through your home room by room with you so that the figure is accurate.
- Rebuild value, not sale value
- Sum insured reviewed at every renewal
Is your home properly insured?
If the sum insured is lower than the actual value, the insurer pays proportionally (the average rule, Article 30 of the Ley de Contrato de Seguro, the Spanish Insurance Contract Act). Try it with your own figures.
Three claims we see every month.
In the bathroom
A pipe bursts and water leaks into the flat below.
How the policy responds
Water damage to your home, liability towards your neighbour and leak detection.
In the kitchen
A power surge burns out the fridge and the hob.
How the policy responds
Electrical damage to appliances, with repair or replacement as set out in the policy wording.
While you are away
Your home is burgled while you are on holiday.
How the policy responds
Theft of contents, lock replacement and damage caused by forced entry.
Frequently asked questions
What is underinsurance?
Insuring your home for less than it is worth. If there is a claim, the insurer pays out proportionally and you lose money. We check the sums insured before you sign.
Does it cover damage I cause to a neighbour?
Yes, through the liability cover in your policy. It is one of the most frequently used covers and one worth reviewing carefully.
What if the insurer does not respond?
That is what we are here for. We pursue the claim ourselves, with the policy wording in hand and a fully documented case history.
Ask us to review your home insurance policy.