Do you know the benefits of having a SegurCaixa Hogar Completo insurance policy?

We cover material damage caused by fire, explosion or a lightning strike, as well as expenses associated with extinguishing the fire, rescue and clean-up. And if your house is temporarily uninhabitable due to an accident covered by the policy, we’ll pay for you to rent another home for the time it takes to repair or rebuild yours. Plus, if you’re renting out the property, we’ll compensate you for the economic loss of the rents not received.

Water damage is the most common incident in homes. That's why SegurCaixa Hogar Completo offers some of the broadest cover on the market. We cover material damage caused by accidental water leaks from pipes or leaks of fuel contained in tanks connected to the water network; by breakage of pipes due to icing or failure to turn off taps; damage to the property from leaks due to defects in sealing joints (bath tubs, shower trays, etc.); expenses to repair built-in or visible plumbing, and to unclog pipes.

We cover the replacement, installation and assembly due to accidental breakage of glass, glass panes, mirrors, methacrylates, marble and granite, as well as sanitary ware and the glass of a glass-ceramic hob.

We cover the replacement of locks on doors with direct access to the home or to adjoining outbuildings that are not communal and are located on the same property, due to theft of the keys anywhere or robbery outside of the home. Cover of 1%, min. €360, max. €720

Full damage cover that includes damage caused to the property due to an unexpected accident other than those provided for in any other cover, for example, the accidental breakage of a floor tile due to a falling object. Cover of 100% for the building, min. €20,000, max. €1,000,000

We even cover returning the building to the aesthetic it had before the incident in the rooms inside the home. For example, we’ll paint the entire room so there isn't a difference in the paint shades. Cover of 1%, min. €1,800, max. €4,500

Extensive civil liability cover which includes material damages or personal injury to third parties for which you are liable, regardless of whether the origin of the damages is the building or its contents; damages resulting from minor repairs or those damages caused by people who live with you in the property, for example, under-age children. We also cover civil liability for pets, even if they are dangerous breeds (dogs) and saddle horses, provided they have the pertinent documentation and health controls. Cover of €300,000 which can be extended to €600,000 or €1,500,000.

Broad theft cover which protects your belongings inside and outside of the home, even the damage that thieves may cause to the building or its furnishings as a result of the theft or its attempt. We also cover theft of goods inside the home, the theft of personal documents (€60 for ID card, passport or driver's licence in the principal residence) and the theft of goods from outbuildings such as storage spaces, individual garages and similar spaces, which are located on the same property and are duly locked. Cover within the home: robbery 100%, cash limited to €300; theft: 10%. Cover in outbuildings: robbery: 10%, max. €6,000. Cover only for the habitual residence: valuables, jewellery and cash inside the property. This also includes cover for robberies in public spaces, up to €600.

We cover the damage caused by power surges or voltage drops, short-circuits or a lightning strike to electrical installations or electronic devices. Cover of 100% for electrical appliances in the building: 5% of the contents, min. €3,000, max. €6,000.

We cover damage caused by rain over 40 l/m2, wind between 75 km/h and 120 km/h, hail and snow. We also cover damage caused by flooding as a result of lake overflow or diversion and the breakage of underwater or surface water courses or channels. Additionally, for leaks in the building, we also cover damage due to leaks in roofs and façades, once the origin is repaired, regardless of rainfall intensity.

If you’re renting out your property, the SegurCaixa Hogar Completo policy also offers cover especially designed for this situation. We cover damage caused by vandalism or malicious acts carried out by your tenant on the property (up to €3,000). Additionally, if your tenants fail to pay or you have any other conflict related to the lease (cover for uninhabitability and loss of rent: 10%, maximum 2 years), we provide a legal protection service that will mediate extrajudicial claims in defence of your interests (legal protection cover: €6,000/year).

The SegurCaixa Hogar Completo policy not only protects you from the unexpected, but it also offers a variety of services, including a maintenance service that you can use to make adjustments or small repairs to your home. We provide one free use of the service per year, which includes travel, labour and materials (for some services), to choose from:

• Repairing or replacing the flushing system (including material).
• Adjusting a bathroom element: pedestal sink, bidet, toilet or its lid, unless it is in poor condition (material included).
• Repairing leaks in radiator keys or bleeders (material included).
• Repairing or replacing a tap or stopcock (material included up to €90).
• Adjusting a shower tray or bath valve when it is dislodged, or overflowing (material up to €18).
• Repairing or unsticking a blind, replacing a slat and/or cord of a non-metal blind. For electric blinds, repairing the motor or remote. Does not apply to vertical works (material excluded).
• Repairing or replacing the lock on the main entrance; does not include making master keys or garage remotes (material excluded).
• Small repairs to the functioning of windows, including bearings, even when cutting is required (material excluded).
• Small repairs to the functioning of a door, both entrance doors and interior or cupboard doors, even the bearings of a sliding door, and even when cutting is required. This also includes planing the door but not varnishing or painting (material excluded).

We do not cover damage that originates in septic tanks, catch basins, sewer pipes, sewers, sewage systems or rain water, nor the repair of rusted pipes or pipes clearly in poor condition. The policy also does not cover repair of the appliances, taps, stopcocks, boilers, water heaters, etc. that have caused the damage, or the amount for any potential excess water consumption as a result of an incident.

We do not cover breakages due to the use and wear of the elements themselves (for example, if a device receives power, but does not work), breakdowns of devices under warranty, failures of lightbulbs, lamps, halogen lamps, etc., nor damage caused by maintenance operations.

We do not cover mere aesthetic defects, scratches or chips; decorative objects such as vases, lamps and lightbulbs; screens for audiovisual devices (TVs, computers, etc.) or handheld devices (mobiles, tablets, etc.), as well as empty glass or crystal containers (tableware, glasses, eyeglasses, fish tanks, etc.).

We do not cover theft outside of the property nor the theft of cash inside the property; the theft of jewellery, valuables and cash outside of a safe in any home that is uninhabited for more than 96 hours straight; the theft of goods in open or common areas (terraces, patios, etc.); theft for failing to secure the property on floors that are accessible without climbing, nor thefts and robberies not reported to the appropriate authority.

We do not cover damage caused by rainfall with an intensity less than 40 l/m2 or wind if it does not exceed 80 km/h or if it is above 120 km/h (these damages are covered by the Insurance Compensation Consortium); damage caused by lack of maintenance on the property; damage caused by trees, plants and other garden elements, as well as damage to objects located outdoors or protected with canvases or similar coverings; the entry of water, snow, sand or dust via unclosed openings or openings with a defective closing mechanism; damage due to temperature changes, power outages, heat or air conditioning, nor damage caused by freezing, cold or ice.

Scratches, chips, sunken areas and any other cause of mere aesthetic defects; graffiti, inscriptions, fixing of signs and similar events; the repair or replacement of water or fuel devices, as well as electric or gas heaters, when they are the cause of the incident; damage caused by the weather phenomena described in the above section, nor damage caused by simple wear and tear.

Aesthetic damage to the contents, electrical appliances, façades or exterior elements of the building. The policy also does not cover aesthetic damage to bathroom elements.

We do not cover pest removal, maintenance or repair of boilers or water heaters, nor the maintenance service when you have met your limit (one use of the service per year).

The maximum amount that the insurance company will assume in the event of an incident, per cover and insurance period.

The insurance company’s main obligation in an insurance contract. It consists of taking responsibility for the economic consequences of an incident, up to the limit of the insured sum.

This refers to the furnishings and other personal objects insured by the policy.

All elements that define and make up the empty property and its outbuildings (foundation, floor, walls, ceilings, roof, bathrooms, doors, windows, blinds, awnings, electrical fittings, plumbing, etc.).

An easy rule to remember: imagine you put the property in the palm of your hand and turn it over. Everything that doesn’t fall out is the building.

Appropriation of the insured assets against the will of the insured person, without the use of force regarding things, or violence to or intimidation of people.

Insuring something for below its value. This is the situation in which the value of the sum insured is below the real value of the asset being protected, which results in application of the proportional rule.

This category of goods includes gold and platinum objects and precious stones. Jewellery pieces with an individual value below 400 euros are part of the contents and are insured within its capital. Jewellery pieces with an individual value equal to or greater than 400 euros can be insured if the optional valuables cover is taken out.

This category of goods includes leather goods, stamp and coin collections and antiquities, pieces of art, objects in silver or marble that do not contain platinum, gold, pearls or precious stones. Valuables with an individual value below 3,000 euros are part of the furnishings and are insured within their capital. Valuables with an individual value equal to or greater than 3,000 euros can be insured if the optional valuables cover is taken out.

The document containing the terms and conditions for the insurance and, if necessary, the supplement or supplements that amend or complement said terms and conditions.

The price of the insurance policy.

Càlcul per determinar la indemnització quan s’assegura per sota del valor del bé assegurat. Fórmula que apliquem per calcular la indemnització quan el capital assegurat és inferior al valor dels béns assegurats.

Indemnització = Capital assegurat x Import dels danys / valor dels objectes assegurats.

Seizure of the insured assets through violent actions or intimidation of people, or through the exercise of force on things, carried out with the purpose of gaining access to the insured building where the assets are located.

Any unexpected damage or loss that was unintentional on the part of the insured person, with consequences established in your policy’s cover, for example: breakage of glass or of a bathroom element. On the other hand, breakdowns or breakage that occur due to normal wear and tear over time shall not be considered an event, e.g., the mechanical failure of a boiler.

The person who take out the insurance policy (you).