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  • MyBox Hogar household insurance

A home insurance policy that covers all your needs

Telephone number for MyBox customer service:
900 50 50 40

Same monthly price for the first 3 years1



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With our home insurance, there are benefits all round

Mybox Home household insurance offers the highest level of protection because it covers owners of completed homes and tenants against losses occurring in the home. Also, as water damage specialists, we offer the best cover adapted to this type of incident, as well as:

Vandalism by tenants.

Wide-ranging building insurance.

Replacement of any locks on entrance doors to the home in the event of keys being stolen.

Unique services such as free annual maintenance related to taps, radiators, blinds, windows, etc., limited to one service per insurance year.

We protect your digital life by adding cybersecurity tools and offering you a remote assistance service capable of resolving all your technological queries 24 hours a day, 365 days a year.



And for your habitual residence, you can extend your insurance cover with value-added services such as Handyman and Digital Assistance.

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  • Quick and easy to take out, with no need to list jewellery (worth less than €400) or objects of special value (worth less than €3,000).
  • No price increases, even due to claims, during the first three years of the policy's validity.
  • There is also a 5% discount in the advance payment method available to Premier and Private Banking customers.
  • In the event of any fault or emergency, whatever the time and 365 days a year, call us on 900 50 50 40 or 91 125 98 41 and we guarantee that we will deal with your repairs in less than 24 hours: even on Saturdays and Sundays in urgent cases.
  • Replacement of goods at as-new value (habitual residence).
  • For habitual residences and with contents capital contracted, we offer extension of the insurance with optional cover.
  • Comprehensive protection with the possibility of taking out supplementary insurance, such as MyBox Electrodomésticos and MyBox Mascotas.
  • Family Civil Liability cover that covers you as the owner of domestic animals (dogs, cats or ferrets, provided they are not used for commercial activities and comply with current regulations regarding vaccinations and/or safety standards) against any damage to third parties that may be caused by the animal for an amount of up to €300,000 (extendible to €600,000 or €1,500,000).
Mandatory cover
 Capital Sum Insured Additional information
Fire, explosion, lightning strike 100%
Heat spike (non-climatic) 10% of the contents
Theft of contents
 100%
Damage to building and contents due to theft
 100%
Actual theft
 Maximum €300
Lock replacement 1% of the contents Minimum €360 - Maximum €720. For theft of keys
Robbery/theft outside the habitual residence
 €600 Only for the habitual residence
Personal documents
 €60 Including ID, passport and/or driving licence. Only for the habitual residence
Theft from outbuildings:
(excluding cash, jewellery / valuables)		 10% Maximum €6,000
Burglary from habitual residence
 10% Cash not included
Water damage 100%
Damage from fuel leakage in tanks
 100%
Failure to turn off taps
 100%
Damage caused by pipes breaking due to freezing 100%
Damage to building From leaks in shower, sink, etc. 100%  
Location and repair of pipes €300  
Unblocking pipes
Breakage of glass, marble, sanitary ware, ceramic hobs 100% Including sanitary ware, marble and ceramic hobs
Weather events (rain, wind, hail, snow) 100% Excludes garden furniture
Flooding 100% Excludes garden furniture
Acts of vandalism 100% Excludes garden furniture
Smoke 100% Excludes garden furniture
Impact from objects 100% Excludes garden furniture
Sound waves 100% Excludes garden furniture
Leaks into the building €600 Excludes garden furniture
Acts of vandalism by tenants €3,000 Provided that the property is rented out by its owner, and the rental agreement complies with the Urban Leases Act.
Sludge extraction and removal 4%
Fire-fighting, salvage and rubble removal costs 100%
Cosmetic damage to the building 1% Minimum €1,800 - Maximum €4,500. If, as a result of a claim, several bathroom tiles have to be replaced, but no replacements with the same shape or design can be found, the undamaged tiles will also be replaced in order to restore aesthetic integrity.
Reconstruction of documents 2% of the contents Minimum €900 - Maximum €3,000. Only for the habitual residence
Electrical damage 100% building
5% contents (electrical appliances)		 For electrical appliances Minimum €3,000 - maximum €6,000. Damage caused by short-circuit or sudden rise / fall in voltage.
Damage to refrigerated food or medicines €300 Only for the habitual residence
Loss of rent / Uninhabitability of the property 10% Maximum 2 years indemnity
Comprehensive warranty for the building (All accidental risks) 100%  
Civil liability: building, contents or user and/or family members €300,000 Extendible to €600,000 and €1,500,000. Damage caused to third parties inside the home or common areas, attributable to the insured party.
Assistance in the home Included
Maintenance Included Limited to one service per insurance year More information
Legal protection €6,000 Maximum compensation per insurance year
Optional cover
 Capital sum insured Additional information
Jewellery 25% to a maximum of €10,000 The additional cover for jewellery refers to gold and platinum items, pearls and precious stones whose unit value exceeds €400 (if the unit value does not exceed this figure, they are automatically included in the capital sum for contents). The minimum insurable capital is €4,000 for jewellery.
Valuables 25% to a maximum of €10,000 The additional cover for valuables refers to leather goods, coin and stamp collections, antiques and works of art that do not contain gold or precious stones, as well as silver or ivory items, whose unit value exceeds €3,000 (if the unit value does not exceed this figure, they are automatically included in the capital sum for contents). The minimum insurable capital is €8,000 for valuables.
Garden furniture 5%
Legal Protection Optional coverage in second homes (Maximum compensation of €6,000 per insurance year).


Home contents includes jewellery and valuables. Both jewellery and valuables are assigned a maximum capital sum per claim. This means that, in the event of a claim, the compensation to be paid will be equivalent to the amount of the damage, with the maximum capital sum fixed for each of them.

Example
Imagine that the total valuables have a cost of €7,800 and €4,800 for the jewellery. If, due to theft or any other cause covered in the policy, €6,000 in valuables and €3,000 in jewellery were lost, the compensation would be identical to the amounts of the loss, i.e. €6,000 and €3,000 respectively.

MyBox Hogar allows the insurance to be extended with the following optional cover that can be taken out together, as long as the capital for contents is taken out and the home is for habitual use (for owners or tenants):

Extended cover
 Additional information
Wide-ranging cover of contents
 New cover with first loss capital of €1,200
Theft outside the home We increase the amount for the first loss for theft outside the home to €1,200
Civil liability insurance for domestic staff Extension of civil liability to cover domestic staff (registered with the Social Security), caused by negligent actions or omissions
Civil Liability insurance for PMVs (personal mobility vehicles) Civil liability cover for personal mobility vehicles (PMVs), covering the entire family unit up to €60,000
Handyman service Handyman service with two services per year, lasting two hours each, in addition to the maintenance service
Digital assistance service We have adapted to the digitisation of homes by offering digital solutions (parental control, setting up smart devices, etc.) with in-the-home assistance (two services/year) and remote assistance (up to five devices)

Learn about all the digital assistance services from MyBox Hogar

The best service thanks to our quality commitments

Exclusively with MyBox Hogar, we commit to offering the best service thanks to our quality commitments2:

sí Urgent services3: technician visit service in 3 hours, from the moment the claim is filed, for urgent claims that make the home uninhabitable.
sí Technician appointment4: from the time the claim is filed to the coordination with the client, the appointment will be arranged within 1 hour and the technician will visit within 24 hours for the assistance company to assess the damage.
sí Appraiser appointment5: appointment made on the same day and visit within a maximum of 24 hours.
sí Appraiser report6: delivery of the appraiser's report within a maximum of 10 days for claims costing less than €30,000 and once all the necessary documentation has been received to assess the damage.
sí Compensation within 48 hours: payment order for the compensation amount within 48 hours of receipt of all the documentation necessary to assess the claim.
sí Quality of the repair service7: if you are not satisfied with the repair, the service company undertakes to send a technician.
sí Second opinion: if your claim is initially refused and you do not agree with the refusal, we will review the decision and analyse the suitability of sending a technician.

If the 'Technician appointment', 'Urgent services', 'Appraiser appointment' 'Appraiser report' and 'Compensation within 48 hours' commitments are not met, you can call 919 917 821 or 900 110 434 to request a review of compliance with those commitments and, where applicable, request €200 compensation8.

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1. The MyBox Home insurance policy has an initial duration of three years, and the premium is paid monthly. There are no surcharges for payment in instalments. If the insurance is renewed, the renewal premium may be recalculated in accordance with the conditions of the policy. From the fourth year onwards, the MyBox insurance policy will be automatically renewed annually. Subject to MyBox terms and conditions. You can consult the contract conditions at any CaixaBank branch or at www.CaixaBank.es.

2. Commitments associated with taking out the MyBox Home product for claims covered by the policy. When the claim is opened, the insurance company may recommend different trusted service companies, provided that the nature of the claim allows for repair. In these cases, if customers prefer, they can entrust the repair of the damage directly to the service company. The service company is the one who assumes the commitments indicated in the points “Urgent services”, “Technician appointment”, “Quality of the repair service” and “Second opinion”, except in the event of force majeure; in any event, the insurance company is not responsible for said commitments. The insurance company assumes the commitments indicated in the points “Appraiser appointment”, “Appraiser report” and “Compensation within 48 hours”, except in the event of force majeure.

3. If the dwelling is rendered uninhabitable by any of the causes described below, this is considered to be an urgent claim and the service company undertakes to send a professional within three hours. Electricity: lack of electricity in the whole dwelling or in the kitchen or bathroom, provided that the fault is caused by the installation in the home. Water damage: due to the breakage of any of the fixed water pipes in the dwelling, which causes damage to the property of the insured party or of third parties and which requires the water supply stopcock to be shut off. Home protection: broken glass in the building envelope, causing a lack of protection against weather phenomena or against malicious acts by third parties. The service company provides the service via the telephone line 900 159 009, 24 hours a day. For emergencies relating to water damage, provided that it is outside the hours of 9 am to 8 pm and it can be resolved by shutting off the stopcock, service will be provided by telephone.

4. The service company undertakes to provide the service, and does so by telephone on 900 505 040, from 9 am to 8 pm, Monday to Friday. This commitment is made with the exception of periods where there are high numbers of incidents (when weather events exceed the average for the last 30 days) or claims involving third parties (incidents where there is a responsible or injured party).

5. In coordination with the customer, from the time the incident is declared, an appointment is given with the specialist within 24 hours, depending on availability, with the exception of periods where there are large numbers of incidents (weather events exceeding the average for the last 30 days) or claims involving third parties (incidents where there is a responsible or injured party). This commitment will be assumed by the insurance company.

6. Provided that the claim does not involve third parties (a responsible or injured third party). This commitment will be assumed by the insurance company. Delivery of the appraiser’s report within a maximum 10 days for incidents costing less than €30,000 once all the necessary documentation for assessing the damage has been received.

7. The repair is managed in coordination with the client through the service company, which provides the service and assumes the commitment to the customer. Commitment assumed by the service company.

8. If the “Technician appointment”, “Urgent services”, “Appraiser appointment”, “Appraiser report” and “Compensation within 48 hours” commitments are not fulfilled, the telephone helplines 91 991 78 21 and 900 110 434 are available to request a review of compliance with those commitments and, if applicable, to request financial compensation of €200. This compensation may be requested by the policyholder for up to 30 calendar days after the closure of the claim giving rise to the commitment. As the policyholder, you will be entitled to a maximum of one financial compensation for each calendar year during the first 3 years after taking out the insurance policy, provided that the “Commitments” are in force on the date on which the claim from which they derive and which gives rise to the compensation is filed. This compensation shall be paid before the end of December of the year in which the non-compliance was accepted by the assistance company or the insurance company, as the case may be. The service company is responsible for the possible financial compensation to which the policyholder may be entitled for the non-fulfilment of the commitments called “Technician appointment” and “Urgent services”, except in cases of force majeure; in any event, the insurance company is not responsible for said commitments. The insurance company assumes responsibility for the possible financial compensation to which the policyholder may be entitled for breaches of the “Appraiser appointment”, “Appraiser report” and “Compensation within 48 hours” commitments, except in the event of force majeure. Payment of the monetary compensation is subject to current tax rules.

Information subject to the general, particular and special terms and conditions of each policy, as well as the Company's contractual and underwriting conditions.

Life insurance from VidaCaixa, S.A.U. de Seguros y Reaseguros, with NIF A58333261, and non-life insurance from SegurCaixa Adeslas, S.A. de Seguros y Reaseguros. CaixaBank, S.A., exclusive bank insurance operator for VidaCaixa, S.A.U. de Seguros y Reaseguros, and authorised by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, with NIF A-08663619 and registered office at calle del Pintor Sorolla, 2-4, 46002 Valencia. Registered with the DGSFP Register of Insurance and Reinsurance Distributors under the code OE0003. It has the necessary professional civil liability insurance, in accordance with current legislation, to cover any liabilities arising from professional negligence. More information is available on its website.

NRI: 7340-2024/09542