Home Insurance

Home insurance services with Insurance Cover Spain

Our home insurance covers are next to none, offering much more than the basic covers that you might expect such as water damage, reconstructions, and theft.

Our covers come in a wide variety, with many additional extras that you won’t find anywhere else. Naturally, we, here at Insurance Cover Spain, are here to guide and assess. For that reason, we can custom-build your policy to meet your personal preferences, budget, and needs, even including some of the more valuable items you may have such as jewellery.

We want you to feel safe and secure should you find yourself in a situation where you require our help. Our teams are fast acting and efficient, they can help you through any problem you might be having at home. If you require a locksmith, a plumber, an electrician or even a glazier, we’ve got you covered, all in one place, without all the fuss and hassle.

Our expat department gives you access to all this, with special offers and discounts only available to you, in your language to top it off. That’s not just with our sales team, our expat program gives you access to everything in your language of choice, including our policies, supporting documents and our customer service / claims departments. This means that you will never have to worry about being understood, especially in moments of stress where you may need our assistance.

We want you to feel at home with us, where you are safe and happy knowing that no matter what may happen, you have someone on your team to help. That’s the most important thing to us, after all.

Do I need home insurance?

That depends on a couple of things. If for example your homeownership is linked to a mortgage that has not been fully paid-off, then you are legally obliged to have cover for the value of the property, in accordance with article 10 of the royal decree 716/2009.

If you do not have a mortgage on your property, then theoretically, there is no legal obligation to have home insurance. That being said, it’s never a good idea to have an uninsured property due to the multitude of unpredictable damages and incidents that can occur to your property or the contents within it.

The costs that can incur as a result of damages to your home or the contents within it can be debilitating. Not having a home insurance policy means that the costs of the repairs, reconstructions or replacements fall to the owner of the property, which can almost certainly drain your savings, or worse, force you to take out loans to cover the costs.

What is different about Caser’s home insurance?

Our policies offer much more than you might think. Naturally, our basic covers are industry standard, including breakage, theft & water damage. We also include public liability, reconstruction, and aesthetic damage repairs along with legal protection and travel assistance as standard. That’s not all, though, as we have lots of optional covers that you won’t find anywhere else.

Additional options include public liability for the ownership of dangerous dogs, cover for vehicles in your garage, accidental damage as well as electrical goods breakdown cover and inclusive legal protection. We offer all of this at competitive prices with exclusive discounts for our clients.

Additionally, we are always available as your contact point for any queries or doubts that you may have, and we’ll always be here to attend to your needs in your language.

“I have home insurance with my bank through my mortgage, can I take a policy out with you instead?”

You absolutely can! There are a couple of things you should be aware of relating to this process, however.

1. It’s important that you understand how your current home insurance policy links to your mortgage and how cancelling may affect the conditions of your mortgage.

In some mortgage agreements, you are obliged to comply with a certain number of conditions in order for your offered interest rate to apply. A lot of the time, banks include insurances such as life insurance and home insurance to be taken out with them in order to give you a lower percentage interest rate.

2. You need to be aware of your current policy’s renewal date. Your policy renews annually automatically, unless cancelled by you. Normally, you cancel by visiting your bank with a cancellation letter (which we can supply if needed), or by posting it to the bank’s central department, the latter being a slower option in our opinion. Notice of cancellation must be supplied at least 30 days prior to the renewal date of your current policy, if you give notice less than thirty days before your policy is due to renew, you may have trouble getting the bank to honour the cancellation, so checking in advance is paramount.

3. You need to tell your bank about your new policy. If you are tied into your mortgage still, you are required to provide the bank with the details, conditions, and documentation of your new home insurance cover with us, as the previously mentioned legal requirement demands. It’s also worth checking if you should name your bank, with whom your property is mortgaged, as the beneficiary of the policy. This sounds strange and is indeed a legal grey area which is the cause of much confusion and legal dispute. According to the law, this is not a legal requirement, but some banks still seem to insist upon it. What this means is that should something occur to your home that would result in a pay-out from your insurance, the beneficiary of the payments would be your bank, rather than yourself.

4. Make sure your new policy’s starting date is the same day that your old policy ends. This is actually a blanket recommendation for any insurance policy you may be switching to us. It stands to reason that you don’t want to find yourself in an insurance ‘no-man’s-land’, where for a brief period, you find yourself without cover due to your previous policy having ended, and your new policy not having started yet. We recommend starting your new policy on the day that your old one ends, as these tend to start and finish unilaterally at 12am of the specified date. This means that if your old policy ends on the 23rd of January, for example, it will effectively end at 00:00 on the 23rd. By starting your new policy with us on the 23rd of January, ours would take effect at 00:00 on the 23rd, thus ensuring you do not end up in an uninsured period, however brief it may be.