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WHAT'S INCLUDED?

Appliance repair

  • White goodsSuch as washing machines, dishwashers, refrigerators/freezers, freezers, household dryers, electric hobs, ceramic hobs, induction hobs, extractor hoods, wine coolers, and ovens that are powered by electricity.
  • If it cannot be repaired...You will be compensated with the value of the new appliance up to the amount specified in the specific conditions.
WHAT'S INCLUDED?

Coverage against illegal occupation

  • Claim for illegal occupation of the propertyWe offer coverage for legal defense costs in the event of illegal occupation of your property. Protect your interests with us.
  • Compensation for Accommodation ExpensesIf your primary residence is occupied and you need a place to stay temporarily, we guarantee financial compensation for your accommodation expenses, up to a maximum of six months.
  • Compensation for Utility ExpensesDon't worry about utility costs during the emergency. We offer financial compensation for a maximum period of six months.
  • Compensation for Loss of RentIf you lose your income due to illegal occupation, we guarantee payment of financial compensation for the loss of rent, up to a maximum of six months.

Did you know you can enjoy an additional handyman service?

By including these coverages, you'll get an additional handyman service in addition to what you already have. Keep your home always in top shape!

Find out more!

Know about our home insurance policies?

Homeowner’s insurance

We know that your home is much more than just a place to live. We can help you protect it. 

  • Extensive coveragainst fire, theft, water damage and extreme weather events.
  • LiabilityPrivate-family and pet.
  • We’re here to help youEmergency calls in under 3 hours, connection service with professionals and additional home handyman service.
Second home insurance

We know that your second residence is also your home and that you want to protect it even when you’re not there.

  • For your peace of mindCover against fire, water damage and extreme weather events.
  • We’ll protect you even when you’re not thereFull cover against theft and vandalism.
  • We cover you throughout SpainEmergency calls in under 3 hours, service to connect you with professionals and an additional home handyman service.
Tenant insurance

We know that your home is home to the things that you care about most: your family, your photos, your memories. We have a range of insurance policies for your rental property, and we’ll adapt to your needs to offer you unbeatable protection.

  • Full theft coverWe’ll pay the as-new replacement cost of stolen household appliances and furniture (depending on the type)
  • Legal adviceEven in regards to lease-related disputes
  • Insurance inside and outside the homeHold-up outside the home and family and pet private liability
Landlord insurance

Renting your home to someone else can be a real headache. To prevent unexpected incidents and get the most out of your insurance, we offer high-quality protection for your rented home.

  • We protect your incomeShould the home become uninhabitable due to a loss covered by the policy, we’ll pay you the lost rent.
  • No to the unexpectedWe’ll cover any damage to the property caused intentionally by the tenant.
  • We defend your interestsWe’ll provide legal advice for the defence of your interests or in regards to disputes with the homeowners’ association.

Want to know the details of these coverages?

Find out everything included in the appliance repair and squatting coverages.

Appliance repair Squatting
faqs

Have any other questions?

Is it compulsory to have home insurance?

No. The law only requires people to have certain types of insurance such as car insurance. It’s true that if you have a mortgage, it’s necessary to take out fire insurance. In many cases, home insurance is also required if there is a rental contract.

Is fire insurance compulsory?

Yes. If you have a mortgage, you are required to have at least fire insurance for the property. 

For more information, click here.

How do I report a home insurance claim?

Click here to find out everything you need to know to report a home claim.

You can contact the company to report a claim using the phone number stated on your policy:

If you have a Home Protection policy: 93 416 50 75

If you have a Blink Home policy: 933 661 278

Remember that the claims helpline is available 24/7/365.

Is damage caused by extreme weather events included in home insurance?

Home Protection

If your home sustains either interior or exterior damage caused by wind (gusts of more than 75km/h), rain (more than 40l/m2 per hour), hail (including hailstones) or snow, it will be protected.

Blink Home

If your home sustains either interior or exterior damage caused by wind (gusts of 96-120 km/h), rain (more than 40l/m2 per hour), hail (including hailstones) or snow, it will be protected.

Can I add something new I have bought (e.g. a television set) to my home insurance policy?

You can always make a change to your policy’s covers.

If you have taken out a home insurance policy with us, contact your personal advisor through your branch.

*Coverage included only in new Home Protection Insurance contracts taken out after September 1, 2024

Occupancy Protection

This coverage cannot be used if you have not contracted building capital. It is not considered illegal occupation if the occupants have had a rental agreement, even if they are in default, or if the occupants have entered the home with the owner's authorization.

This coverage does not apply to tenant-ownership contracts or when the tenant contracts building coverage.

Appliance Repair Service

The following household appliances are included in this coverage: washing machine, dishwasher, refrigerator/freezer, freezer, dryer for domestic use, electric hob, ceramic hob, induction hob, extractor hood, wine cellars, and ovens powered by electricity. Appliances other than these are not covered.

Not covered:

-Repairs of appliances that are more than ten years old.

-Repairs to appliances still under the manufacturer's warranty period.

-Cosmetic damage, corrosion, and/or rust, whether caused by normal use and/or wear and tear of the appliances or accelerated by unfavorable environmental conditions.

-Preservation, maintenance, cleaning, unclogging, removal of foreign bodies, descaling and blockages, tuning, or recalibration due to use.

-Repairs to appliances by specialized technical service outside the insured home.

-Defects acknowledged or accepted by the manufacturer, serial failures, and claims for loss of appliance usefulness due to the manufacturer's lack of spare parts. Replacement of components that wear out or deteriorate due to normal use, such as lamps, capsules, reading or reproducing heads, weather strips, door seals, connection or drain seals, vacuum cleaner hoses, outdoor tubes, etc.

 

BanSabadell Seguros Generales, Insurance and Reinsurance Company with Tax Identification Number (NIF) A-64194590 and registered office at Calle Isabel Colbrand 22, 28050 Madrid. Registered in the Madrid Mercantile Registry and in the Insurance Entities Registry of the DGSyFP (General Directorate of Insurance) with code C-0767.

BanSabadell Mediación, Linked Banking-Insurance Operator of the Banco Sabadell Group, S.A., Tax Identification Number (NIF) A-03424223, located at Avenida Óscar Esplá, 37, 03007 Alicante, registered in the Royal Municipality of Madrid (R.M.) of Alicante, and in the Administrative Registry of Insurance and Reinsurance Distributors of the DGSyFP with code number OV-0004, having subscribed to civil liability insurance in accordance with the provisions of the regulations for the distribution of private insurance and reinsurance in force at any given time.