HolaBank

A home insurance policy that covers all your needs

Helpline for MyBox customers:
+34 93 591 79 51

The same monthly price for the first 3 years3



Request quote

With our home insurance, it's nothing but advantages

Mybox Home insurance provides maximum protection because it covers the owners of finished homes and tenants for the incidents that occur in the home. As specialists in water damage, we also offer the best cover for this type of incident, plus:

Acts of vandalism by tenants

Comprehensive building guarantee

Replacement of any door locks in the property in the event of key theft

Value-added services such as free annual maintenance for taps, radiators, blinds, windows, etc.

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



And if you have a main residence, you can extend your insurance with valuable services like Home Repairs and Digital Assistance.

Move list to the left
Move list to the right
  • Quick and easy to arrange, no need to itemise jewellery (under €400) or special valuables (under €3,000).
  • No price increases or impact on the claims rate during the first three years of the policy.
  • 5% discount on prepayment for Premier or Private Banking customers.
  • In the event of a fault or emergency, no matter what time of day and 365 days a year, call us on 900 50 50 40 or 91 125 98 41, and we guarantee that we will handle your repairs in less than 24 hours: even on Saturdays and Sundays in urgent cases.
  • Goods replaced at as new value (main residence).
  • For main residences with contents cover, the insurance can be extended with optional coverage.
  • Comprehensive protection with the possibility of taking out supplementary insurance, such as MyBox Electrodomésticos and MyBox Mascotas.
Mandatory coverage
 Capital insured Further information
Fire, explosion, lightning strike 100%
Effect of sudden heat (non-climate) 10%
Contents robbery
 100%
Damage to building and contents due to theft
 100%
Cash theft
 Maximum €300
Lock replacement 1% (min. €360, max. €720) Minimum €360 - Maximum €720. For theft of keys
Theft/robbery outside the main residence
 €600 For main residence only
Personal documents
 €60 Includes national ID card, passport and/or driving licence. For main residence only
Theft in annexed premises:
(excluding cash, jewellery/valuables)		 10% Maximum €6,000
Theft from the main residence
 10% Cash not included
Water damage 100%
Damage due to fuel leakage in tanks
 100%
Forgetting to turn off the water
 100%
Damage due to burst pipes caused by frost

100%
Damage to the Structure. Due to leaking shower, washbasin, etc. 100%  
Locating and repairing pipes €300  
Unblocking of pipes
Breakage of glass, marble, sanitary ware, glass ceramics 100% Includes sanitary ware, marble and glass-ceramic cooktops
Weather events (rain, wind, hail, snow) 100% Garden furniture not included
Flooding 100%
Acts of vandalism 100%
Smoke 100%
Impact of objects 100%
Sonic waves 100%
Leaks in the Structure €600
Acts of vandalism by Tenants €3,000 Provided the property is intended to be leased by its owner, whose rental contract complies with the Urban Leases Act
Discharge and extraction of sludge 4%
Extinguishing, salvage and debris removal costs 100%
Cosmetic damage STRUCTURE

1%

 Minimum €1,800 - maximum €4,500. If, as a result of an incident, several bathroom tiles have to be replaced, but no replacement tiles with the same shape or decoration can be found, the undamaged tiles will also be replaced to restore the aesthetic harmony
Document reconstruction 2% content Minimum €900 - maximum €3,000. For main residence only
Electrical damage 100% structure
Electrical appliances 5%		 For electrical appliances Minimum €3,000 - maximum €6,000. Damage caused by short circuit or sudden rise/drop in voltage
Deterioration of refrigerated food or medications €300 For main residence only
Loss of rents or Uninhabitability of the property 10% Maximum 2 years of compensation
Extensive buildings guarantee (Comprehensive accidental risk) 100%  
Extensive furniture guarantee (comprehensive accidental risk) €1,200  
Civil liability: Of the building, contents or user and/or family member. €300,000 Extendable to €600,000 and €1,500,000. Damage to third parties inside the property or communal areas, attributable to the insured party
Assistance in the home Included
Maintenance Included More information
Legal protection €6,000 Maximum compensation per annuity
Optional coverage
 Capital insured Further information
Jewellery 25%, max. €10,000 Additional jewellery coverage refers to gold and platinum items, pearls and valuable precious stones with an individual value in excess of €400 (if the individual value does not exceed this figure, it is automatically included in the contents capital). The minimum insurable capital sum is €4,000 for jewellery.
Valuables 25%, max. €10,000 Additional coverage for valuables refers to furs, stamp and coin collections, antiques and works of art that do not contain gold or precious stones, as well as silver and ivory items, with an individual value in excess of €3,000 (if the individual value does not exceed this figure, it is automatically included in the contents capital). The minimum insurable capital sum is €8,000 for valuables.
Garden furniture 5%
Legal Protection Optional cover for secondary residences (Maximum compensation of €6,000 per annuity)


The home's contents include jewellery and valuables. Both valuables and jewellery 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 damages, with the maximum amount of the sum fixed for each of them.

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

With MyBox Home, you can extend the insurance policy with the following optional cover that can be taken out jointly, provided that you take out contents cover and the home is in regular use (for owners or tenants):

Extended coverage
 Further information
Comprehensive contents guarantee
 New coverage with a first-risk capital of €1,200
Theft outside the home We increase the first risk amount for theft outside the home to €1,200
Civil liability of household staff Extension of civil liability to cover domestic staff (registered with social security) for negligent acts or omissions
Civil liability for PMVs (personal mobility vehicles) We cover civil liability for personal mobility vehicles (PMVs), covering the whole family, up to €60,000
Repair service Home repair service with two services per year, of two hours each, in addition to the maintenance service
Digital assistance service We keep pace with the digitalisation of the home by offering digital solutions (parental control, configuration of smart devices, etc.) with home assistance (two services/year) and remote assistance (up to five devices)

The best service thanks to our new quality commitments

With MyBox Home we offer an exclusive guarantee of the best service thanks to our new quality commitments2:

sí Emergency services3: our technical staff will be with you within 3 hours if you report an emergency that makes your home uninhabitable.
sí Appointments with technical staff4: within 1 hour of your reporting the incident we will liaise with you to arrange an appointment with our technical staff, who will visit you within 24 hours to assess the damage.
sí Appointment with claims adjuster5: appointments on the same day and visits within 24 hours.
sí Claims adjuster’s report6: for claims below €30,000 report submitted within 10 days, subject to all documentation needed to assess damage having been received.
sí Compensation within 48 hours: compensation payment order within 48 hours after receipt of all documentation needed to assess the claim.
sí Quality of repairs7: if you are not satisfied with the repair, the service company will send one of its technical staff.
sí Second opinion: if you report an incident, your claim is rejected and you do not agree with this rejection, the decision will be reviewed and it will be determined whether a technical specialist should be sent.

If the commitments listed under “Appointments with technical staff”, “Emergency service”, “Appointment with claims adjuster”, “Claims adjuster’s report” and “Compensation within 48 hours” are not fulfilled, you can call 919 917 821 or 900 110 434  to request a review of these commitments and, if applicable, request financial compensation of €2508.

Request quote

1. Promotion: to benefit from the promotion, the customer must take out at least one new MyBox product on offer between 4/9/2023 and 27/10/2023, provided that the customer already had, before the promotion, any of the CaixaBank products from the list of products that make the customer eligible for the promotion, or two new MyBox products included in the promotion between 4/9/2023 and 27/10/2023. The customer will get €100 for each new MyBox product or service taken out (MyBox Home, MyBox Life, MyBox Auto, MyBox Funeral Senior, MyBox Funeral Senior Flexible, MyBox Home Alarm, MyBox Home Alarm Premium and MyBox Senior Protection (Single and Duo)). The promotion amount will be credited to a gift card exclusively for individuals. The maximum promotion amount is €700. You may view the other conditions of the promotion, subscription and contracting of products at any CaixaBank branch or at CaixaBank.es. Insurance promotion: promotion valid for individuals who take out new insurance policies during the promotional period and who meet the conditions mentioned above. You will receive the corresponding amount on the Gift Card, provided that the amount of the premium of the respective insurance you take out is at least €30 per month during the first three years of its duration (36 months), equivalent to a €1,080 premium during the first insurance period. For MyBox Decesos Seniors and MyBox Decesos Seniors Flexible, if there are two or more insured persons, the corresponding premium will be for each insured person. The maximum amount a customer can receive from this promotion will be €700 per tax ID number and is subject to the taxes, withholdings and other surcharges in force on the date the incentive is paid and to limitations and penalties in the event of non-compliance with the conditions of the promotion. Promotion not compatible with other promotions with a gift card. Alarms and Protección Senior promotion: promotion valid for customers who take out, during this period, MyBox Alarma Hogar, MyBox Alarma Hogar Premium and MyBox Protección Senior (Single or Duo) from Securitas Direct through Wivai Selectplace, S. A. U., which is installed or activated within six months from the date requested. Customers who had previously taken out MyBox Alarma and MyBox Protección Senior from 1 January 2023, whose service is in force and who renew the products on the date of this promotion will receive an additional €100.

2. The products taken out between 1/1/2023 and 3/9/2023 (both included) with CaixaBank that are eligible for the promotion are as follows: Home insurance: MyBox Home; Car insurance: MyBox Auto; Health insurance: MyBox Health, MyBox Health Seniors; MyBox Health North Zone; Funeral insurance: MyBox Decesos Seniors Flexible; Life Insurance: MyBox Life; Alarms: MyBox Home Alarm, MyBox Home Alarm Premium; Senior Protection: MyBox Protección Senior (Single and Duo).

3. The initial duration of the MyBox Home policy is three years. Premiums are payable monthly. No surcharges will be applied for splitting the payment. If the insurance policy is renewed, the renewal premium may be recalculated in accordance with the conditions of the policy. From the fourth year, the MyBox insurance policy will be renewed automatically every year. Subject to the conditions of MyBox. You can see more about the terms and conditions of the contract process at any CaixaBank branch or at www.CaixaBank.es.

4. Commitments associated with contracting MyBox Home for claims covered by the policy. When the claim is notified, the insurance company may recommend various reliable companies to provide assistance, provided that the nature of the incident allows the damage to be repaired. In this sense, if the customer so wishes, they may then directly request the service company to repair the damage. The service company assumes the commitments referred to in points 1, 5 and 6, except in cases of force majeure, and the insurer has no liability in this respect. The insurer assumes the commitments referred to in points 2, 3 and 4, except in cases of force majeure.

5. The service company is committed to sending a specialist within three hours in the event of an emergency, which is understood to be a situation in which the home is uninhabitable for one of the following reasons. Electricity: no power anywhere in the home or in the kitchen or bathroom, provided that the origin of the fault is inside the home. Water damage: damage to water pipes in the home, causing damage to the policyholder’s goods or those of third parties, making it necessary to turn off the mains water supply. Security: breakage of exterior windows, leaving the home unprotected against weather conditions or malicious acts by third parties. The service company has a 24-hour helpline: 900 159 009. In the event of an emergency involving damage by water, as long as it does not occur between 9:00 am and 8:00 pm and can be resolved by turning the water off at the mains, telephone assistance will be provided.

6. The service company commits to offering the service via the 900 505 040 helpline between 9:00 am and 8:00 pm, Monday to Friday. It will assume this commitment provided that there is not an exceptional number of claims (when abnormal atmospheric conditions are above the average for the last 30 days) or when claims involve third parties (incidents caused by another person or those in which another person is harmed).

7. Within 24 hours of the incident being reported, in agreement with the customer, an appointment will be arranged with the claims adjuster, subject to the latter’s availability, provided that there is not an exceptional number of claims (when abnormal atmospheric conditions are above the average for the last 30 days) and claims do not involve third parties (incidents caused by another person or those in which another person is harmed). This commitment will be assumed by the insurer.

8. Provided that the incident does not involve third parties (incidents caused by another person or those in which another person is harmed). This commitment will be assumed by the insurer. For claims below €30,000, the claims adjuster’s report will be submitted within 10 days, subject to all documentation needed to assess damage having been received.

9. Repairs are carried out in agreement with the customer via the service company, which is committed to providing the relevant service to the customer. Commitment assumed by the service company.

10. If the commitments listed under “Appointments with technical staff”, “Emergency service”, “Appointment with claims adjuster”, “Claims adjuster’s report” and “Compensation within 48 hours” are not fulfilled, the customer can call 91 991 78 21 or 900 110 434 to request a review of these commitments and, where applicable, request financial compensation of €200. Said compensation can be requested by the policyholder up to 30 calendar days after the claim to which the commitments apply is finalised. The policyholder will be entitled to a maximum of one compensation payment for each year during the first three years after the policy is taken out, provided that the “Commitments” are in force on the date of the claim to which they apply and for which compensation is requested. Such compensation will be paid before the end of December in the year during which failure to comply was accepted by the service company or the insurer, as applicable. The service company assumes responsibility for any possible financial compensation to the policyholder for breach of the commitments “Appointment with specialist” and “Emergency services”, except in the case of force majeure, the insurer having no liability in connection with these commitments. The insurer assumes responsibility for financial compensation to which the policyholder may be entitled for breach of the commitments referred to as “Appointment with a claims adjuster”, “Claims adjuster’s report” and “Compensation in 48 hours”, excepting force majeure. Payment of compensation is subject to current tax regulations.

Information subject to the terms and conditions of each policy, as well as to the subscription and purchase terms and conditions. VidaCaixa, S.A.U. de Seguros y Reaseguros life insurance and SegurCaixa Adeslas, S.A. de Seguros y Reaseguros non-life insurance. Broker: CaixaBank, S.A., the exclusive banking-insurance operator of VidaCaixa, S.A.U. and authorised operator of SegurCaixa Adeslas, S.A. Holder of Tax ID number (NIF) A08663619 and registered address at C/ Pintor Sorolla, 2-4, Valencia – 46002. Listed in the Spanish Directorate-General of Insurance and Pension Funds Registry of Insurance and Reinsurance Distributors under code OE0003. It has the corresponding professional civil liability insurance in place to cover any liabilities that may arise due to professional negligence, in accordance with current legislation. Visit the company website for more information.

NRI: 22337-2023-17195