Home insurance
Allianz home insurance covers the building and your contents. It is for owners and tenants, for a main home, a second home or a rented property.
- Remote claims handling and multilingual service
- For main homes, second homes, rentals and holiday rentals
- Squatter protection in every option
Cover
In every option:
- Fire, water damage, natural events, glass, electrical damage, liability and emergency assistance
Options compared
| Cover | Basic | Basic with theft | Plus | Extra | Comprehensive |
|---|---|---|---|---|---|
| Fire, water damage, natural events, glass, electrical damage, liability and emergency assistance | Included | Included | Included | Included | Included |
| Home theft, vandalism, petty theft, storage-room theft and valuables | Not included | Included | Included | Included | Included |
| Robbery away from home, cash, loss of rent, and IT, travel, pest and pet assistance | Not included | Not included | Included | Included | Included |
| Smoke, impact, liquid spills, refrigerated food and higher liability | Not included | Not included | Not included | Included | Included |
| Preventive drain clearing, document replacement, handyman service and wider cosmetic damage | Not included | Not included | Not included | Included | Included |
| Accidental damage, temporary relocation, garden and trees | Not included | Not included | Not included | Not included | Included |
Basic
- Fire, water damage, natural events, glass, electrical damage, liability and emergency assistance
Basic with theft
- Fire, water damage, natural events, glass, electrical damage, liability and emergency assistance
- Home theft, vandalism, petty theft, storage-room theft and valuables
Plus
- Fire, water damage, natural events, glass, electrical damage, liability and emergency assistance
- Home theft, vandalism, petty theft, storage-room theft and valuables
- Robbery away from home, cash, loss of rent, and IT, travel, pest and pet assistance
Extra
- Fire, water damage, natural events, glass, electrical damage, liability and emergency assistance
- Home theft, vandalism, petty theft, storage-room theft and valuables
- Robbery away from home, cash, loss of rent, and IT, travel, pest and pet assistance
- Smoke, impact, liquid spills, refrigerated food and higher liability
- Preventive drain clearing, document replacement, handyman service and wider cosmetic damage
Comprehensive
- Fire, water damage, natural events, glass, electrical damage, liability and emergency assistance
- Home theft, vandalism, petty theft, storage-room theft and valuables
- Robbery away from home, cash, loss of rent, and IT, travel, pest and pet assistance
- Smoke, impact, liquid spills, refrigerated food and higher liability
- Preventive drain clearing, document replacement, handyman service and wider cosmetic damage
- Accidental damage, temporary relocation, garden and trees
In every option: protection against squatters (okupas), with legal defence and eviction support. Some options are also available with an excess.
Frequently asked questions
Why do you ask for the cadastral reference?
We use it to take the official land registry data for the policy. In a claim, the loss adjuster uses the same source, so both sides work with the same figures.
Is water damage covered?
Sudden damage, such as a burst pipe, is the typical insurance case. A slow drip over months counts as maintenance.
What about a volcanic eruption or exceptional flooding?
These extraordinary events are covered by the state Consorcio de Compensación de Seguros, included in every policy. That is why realistic sums insured matter.
What if my home stays empty for a while?
Many policies have their own rules for unoccupied homes. Tell us how long you will be away and we will check your policy.
For guidance only. The exact cover and conditions are those set out in the Allianz policy and information note (nota informativa).