Compare Home Insurance – Hiring the best home insurance can be a complex task, but fortunately at onlinehealthmarkets we make it very easy to find the insurance that best suits your needs.
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Get the Home Insurance that best suits your needs and the characteristics of your home. Fill out the form and get an online comparison with a copy to your e-mail of the best Home Insurance companies in Spain.
It’s fast, easy and totally free. For different types of housing, whether a villa or a flat, being an owner or tenant, or living in a town or a large city, you can find insurance for your home and understand what coverage includes the policy you hire.
Did you know…?
- Almost 30% of homes nationwide are not insured.
- Fridays and Mondays are the days with the highest number of robberies in the home, while Saturdays and Sundays are the days when the least thefts occur.
- The typical profile of the policyholder is a family member between 35 and 45 years old.
Many insurance companies offer so-called multi-risk home policies, to cover the unforeseen events that can affect our home and that can cause serious damage.
As basic coverages, any home insurance offers you:
Damages to the mainland (roofs, floors, installations, windows, etc.): if you have home insurance, the insurer will pay for the repairs of the damages caused by fire, theft, water, etc. Each insurer fixes in the conditions of the policy the type of claims included and the exclusions.
Damage to content: this insurance coverage covers the repair or replacement of furniture and household goods. The advisable thing is to compensate him for the value of new or “of replacement”, that is to say, by what would cost him those objects if you have to return to buy them. However, it is common for insurance companies to insure the real value, discounting the depreciation suffered by the use.
Civil liability (CR). This home insurance guarantee covers repairs and indemnities that the insured has to pay to other people for the damages caused to them (for example, if a cigarette is left badly extinguished and causes a fire). In the case of injuries, these compensations can be large. Therefore, our advice is to hire a home insurance with a Civil Liability coverage of at least 300,000 euros. You can even consider extending it to 600,000 euros if the increase in the premium is reasonable.
Legal defense. Thanks to this, the insurance covers you if you have to claim the damages that others have caused on your property. It also includes criminal defense, rights as owner or tenant, etc.