Home insurance detail

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The best house is the one where the owner has less work.

Plutarch

Lack of detailed and straightforward information makes it difficult to choose an insurance company. Our business is transparent, as we seek to provide to our clients all information necessary to make a weighted decision when choosing an insurance plan. 

Real property insurance is the only way to avoid important financial damage in case of an insured event such as flood, fire, burglary, leakage. 

HOME insurance policy by Expert Seguros provides coverage for your Spanish property, that will completely comply with your requirements, with the wides scope of guarantees.

 

GENERALI HOGARMain dwellingSecond dwelling
Insurance cover limitInsurance cover limit
Basic coversPropertyContentsPropertyContents
1. Fire and other damage
Fire, explosion, lightning strike 
100% 100% 100% 100%
Damage by smoke 100% 100% 100% 100%
Exterior impacts 100% 100% 100% 100%
Total ruin due to works carried out by third parties  100% 100% 100% 100%
Fire due to short circuit 100% 100% 100% 100%
Damages caused by water, foam or other substances during fire-fighting works  100% 100% 100% 100%
Spillage of liquids other than water 100% 100% 100% 100%
Refrigerated foods
Low temperature damages
- 1%( max. 1000€) - -
2. Meteorological phenomena
Wind, rain, hail, snow 
100% 100% 100% 100%
Leaks and seepage 100% 100% 100% 100%
Flooding 100% 100% 100% 100%
3. Water damage
Water floding
100% 100% 100% 100%
Detection and reparation 100% - 100% -
Urgent plumbing without elimination of cause of damage 200€ - 200€ -
Urgent sewage pipes unblocking 400€ - 400€ -
4. Breakages
Glass panels and mirrors
100% 100% 100% 100%
Methacrylate and similar materials 100% 100% 100% 100%
Sanitary ware 100% - 100% -
Natural and artificial stone countertops 100% 100% 100% 100%
Glassceramics - 100% - 100%
Sun panels  100% - 100% -
5. Burglary and vandalism 
Burglary and related damage 
100% - 100% -
Burglary and robbery of furniture and personal effects  - 100% - 100%
Burglary and robbery of money (outside a safe box) - 1% of effects(max. 500€) - 1% of effects(max. 500€)
Burglary and robbery of jeweller(outside a safe box 3000€) - 100% personal capital - 100% personal capital
Burglary and robbery of jewellery (from a safe box) - 100% personal capital - 100% personal capital
Burglary and robbery of valuable assets - 100% personal capital - 100% personal capital
Burglary and robbery in annexe buildings - 10%
(1.500 €/object)
- 10%
(1.500 €/object)
Burglary and robbery in private gardens, terraces and adjacent territories - 10%
(500€ /object)
- 10%
(500€ /object)
Theft - 5% value of the effects - 5% value of the effects
Acts of vandalism 100% 100% 100% 100%
Robbery related replacement of keys and locks  - 1% of effects
(max.500€)
- 1% of effects
(max.500€)

 

GENERALI HOGAR insurance plan for real property owned by the insurant may be applied to: immovable property pertaining to a dwelling; interior decoration, including doors and windows; dwelling equipment, including sanitary-ware, heating, water supply, electric power supply; home appliances, including kitchen appliances; 

Movable property comprising personal effects, TV and radio, furniture, musical instruments, carpets, bed linen. 

 

GENERALI HOGARMain dwellingSecond dwelling
Insurance cover limitInsurance cover limit
Basic indirect damage coversPropertyContentsPropertyContents
1. Demolition of buildings, rescue works and other expenses. 10% 10% 10% 10%
2. expenses related to temporary inhabitability of the dwelling
Temporary residence rent - 25% (max. 2 года) - 25% (max. 2 года)
Move and storage of property - 10% ( max. 6 мес.) - 10% ( max. 6 мес.)
Оплата гостиницы - 5% ( max.3000 €) - 5% ( max.3000 €)
3. Cosmetic restoration Established limits - Established limits -

 

GENERALI HOGAR insurance plan covers civil liability for any damage caused to life and health or property of any third parties in the course of use of the real property owned by the holder of the policy.

 

GENERALI HOGARMain dwellingSecond dwelling
Insurance cover limitInsurance cover limit
Basic covers outside the dwelling Property Contents Property Contents
1. Burglary outside the dwelling
Burglary
-  
Established limits
Fraudulent use of credit cards and cheques as a result of theft - Established limits
2. provisional residence
Short-term dwelling in hotels and apartments
-  
10% effects
Damage and theft of luggage - 1% effects
(max. 1.000€)
Additional covers Cover limit Cover limit
1. Extensions Hogar Confortable
Damage by frost
 
2.000€
 
2.000€
Damage by heat - 100% 100%
Other damage (gardening equipment and sanitary-ware) 100% 100% 100% 100%
2. Extensions Hogar confortable, including additional covers
Hogar Confortable+
Localisation and elimination of leakage of water without damage 1.000€ - 1.000€ -
Excess water use 1.000€ - 1.000€ -
Cosmetic restoration of furniture - 1.500€ - 1.500€
Use of stolen cards / cheques and copies thereof - 1.000€ - 1.000€
Theft from sports centre lockers - 1% (max.1.000€) - 1% (max.1.000€)
Unfaithfulness of domestic employees - 1% (max.3.000€) - 1% (max.3.000€)
3. All-risk cover 100% 100% 100% 100%
4. Reparation of garden 100% personal capital - 100% personal capital -
5. Vehicles in the garage - 100% personal capital - 100% personal capital
6. Money in a safe box - 100% personal capital - 100% personal capital

 

Insurance policy GENERALI HOGAR covers:

  • Water damage 
  • Breakage of glass, windows, mirrors, sanitary ware, ceramic hobs, countertops, solar panels 
  • Burglary and vandalism 
  • Mugging/fraudulent use of cards and cheques (only main home)
  • Loss of use, rent of temporary home, hotel, removals and furniture storage (main and second home) 
  • Cosmetic restoration of buildings 
  • Fire and consequences of explosion, lightning, electrical damage
  • Total destruction due to third-party works
  • Loss of rent due to loss of use (let property) 
  • Miscellaneous expenses related to the insured event 

 

GENERALI HOGARMain dwellingSecond dwelling
Insurance cover limitInsurance cover limit
CIVIL LIABILITY
1. Owner’s civil liability Established limits
As the owner Established limits
(for every injured 150.000€)
Limit per injured 150.000€
As the tenant regarding the owner Limit for protection and bail 150.000€
2. Civil liability in the area of private life.
Civil liability of the head of the family and family members
Civil liability for owners of pets
3. Civil liability of owners of dangerous dogs Additional covers
DEFENCE IN COURT
1. Legal defence and claim of damages 6.000€ 6.000€
2. Extended defence Additional covers Additional covers
3. Exclusive extended defence Additional covers Additional covers
SERVICES
1.Home assistance Included Included
2. Services for pets and plants Additional covers
3. Protection for mobile phone Additional covers
4. Integrated technology services Additional covers

 

GENERALI HOGAR insurance policy provides new covers:

  • handyman service 
  • services for pets and plants (only main home) 
  • protection for mobile phone (only main home)

Clients of GENERALI HOGAR receive professional support 24/7, and enjoy a list of unique and complete services such as: 

  • repairs of loss for every insured event
  • emergency locksmith and electrician services
  • integrated technology services (only for main home) 
  • legal protection in court 

F or those who always require the best for their security Insurance plan GENERALI AMPLIACION HOGAR EXCLUSIVO offers Exclusive Home Extension covers:

  • excess water use due to leakage 
  • cosmetic restoration of movable property 
  • cosmetic restoration of sanitary ware 
  • theft from sports centre lockers 
  • employee infidelity 

GENERALI HOGAR insurance policy by Expert Seguros guarantees security and peace of mind!