624 185 167 Get your quote
Home Insurance · High-end

Home Premium: the most complete protection for your home

For when you want to stop worrying about the small print. Home Premium is my most complete home insurance: it includes everything in Home Protection and adds All-Risk Accidental cover — which even covers damage you cause yourself by accident — with higher limits for theft, valuables and civil liability.

Get your quote, no obligation → Message me on WhatsApp
Personal advice · Same-day reply · No extra cost for my advice
How I work with you
  • ✓ I adjust the policy to your real assets, with no under-insurance
  • ✓ I explain what every extra adds so you only pay for the peace of mind you want
  • ✓ My advice never costs you more

What it is and who it's for.

Home Premium is the most complete home insurance option: the one chosen by anyone who wants total protection and doesn't want to worry about whether something is 'in or out' of the policy. It starts from every guarantee in Home Protection — fire, theft, water damage, breakages, civil liability and 24-hour assistance — and raises the bar in two things that make the difference: All-Risk Accidental cover and higher compensation limits on the guarantees that matter most.

It's the insurance built for higher-value homes, for anyone with belongings they care about, or simply for anyone who'd rather pay a little more and stop thinking about it.

How I work: I adjust the policy to your real assets — buildings, contents and special items — so that full cover really is full, without you paying more than you should.

What's covered

Main coverage.

All-Risk Accidental cover

Covers sudden, unforeseen damage, including damage you cause yourself: you drop the TV, stain the sofa, a knock damages a worktop.

Higher limits

Cash theft, theft from storage rooms and garages, robbery outside the home and civil liability, with higher sums insured than the standard range.

Fire, explosion and lightning

Including smoke damage and rebuilding an affected garden, just like in Home Protection.

Theft, robbery and burglary

Inside and outside the home, with reinforced cover for jewellery and valuables.

Water damage

Including locating and repairing the leak.

Civil liability

With a higher sum insured and legal defence included.

24-hour assistance

Emergency plumbing, locksmith, glazing and electrical work, plus extended multi-service and handyman support.

Optional cover

Cosmetic damage repair, reinforced locksmith service and other extras we adjust to your home.

Buildings and contents: insure what's really worth it.

Buildings cover is the property — walls, installations, kitchen, bathrooms, doors and windows; contents cover is everything inside — furniture, electronics, clothes, jewellery and valuables. In a Home Premium policy it's even more important to get both right, because there's usually more valuable content to protect.

We insure the building at its rebuilding value (not market value) and itemise special belongings so they're genuinely covered. We work that out together, without rushing.

Home Insurance Range

Compare the range and choose wisely.

Home Premium is the maximum-protection option. If your situation is different, here's the rest of the range.

Home Protection

Complete everyday protection, with 24h assistance.
Owners of a primary residence or second home.

Discover this policy → Maximum cover

Home Premium

Everything in Protection plus All-Risk Accidental cover and higher limits.
Anyone who wants maximum cover.

See this option →

Home Senior

Full cover plus priority attention and social guidance.
People over 60 (or their children).

Discover this policy →

Rental Home (Landlord)

Rent default, tenant damage and legal defence.
Owners who rent out their property.

Discover this policy →

Tenant Home

Your belongings and your civil liability as a tenant.
People who live in rented accommodation.

Discover this policy →

See all insurance policies

I manage more policies beyond these: self-employed, civil liability, homeowners' associations and other types of cover. Browse the full catalogue or just ask me directly about yours.

See full catalogue →
MA
Micol Astorri
Insurance advisor
Why work with me

Why take out your Home Premium with me.

  • ✓ Personal, close service: you always talk to me
  • ✓ I adjust the policy to your real assets, with no under-insurance
  • ✓ I explain what each extra adds so you only pay for the peace of mind you want
  • ✓ I'm there for you at claim time, which is when having someone on your side matters most
  • ✓ My advice never costs you more

Registered with the Spanish Insurance Distributors Registry (DGSFP) no. C0133X4340072H

About me →
How to get covered

Your Home Premium in three steps.

1

Tell me about your home

What you want to protect, by phone, WhatsApp or the contact form.

2

I prepare your Premium proposal

We value buildings, contents and special items, and decide which extras add real value. I explain it all clearly.

3

We activate it

We leave your home with maximum protection. And I stay by your side for whatever you need.

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn't here, write to me and I'll answer personally.

What is 'all-risk' home insurance? +
It's the most complete option: besides the usual causes (fire, theft, water, breakages, civil liability), it includes All-Risk Accidental cover, which protects against sudden, unforeseen damage, including damage you cause yourself by accident.
What's the difference between Home Premium and Home Protection? +
Premium includes everything in Protection and adds All-Risk Accidental cover and higher compensation limits for theft, cash, valuables and civil liability. Protection is the complete everyday option; Premium is maximum protection.
Does it cover if I drop the TV or stain the sofa? +
Yes. That's exactly the kind of accidental damage covered by Home Premium's All-Risk Accidental cover, which standard home insurance doesn't include.
Is it worth paying more for the Premium range? +
It depends on your home and what's inside it. If your home or belongings are worth a lot, or you'd simply rather stop worrying about limits and accidents, the price difference usually pays off. I'll help you weigh it up with real numbers.
Does it cover theft outside the home and of valuables? +
Yes, with higher limits than the standard range: theft from storage rooms and garages, robbery outside the home and reinforced cover for jewellery and valuables. The final sums insured are set in your policy.
Does it include 24-hour assistance? +
Yes, just like Home Protection: emergency plumbing, locksmith, glazing and electrical work, plus multi-service and handyman support.
Can I insure a high-value home or a second residence? +
Yes. Home Premium fits especially well with higher-value homes and second residences. Tell me your case and we'll adjust sums insured and cover. If the second home stands empty for long spells, I explain it here →
What exactly is 'All-Risk Accidental' cover, and how is it different from standard cover? +
Standard home insurance covers specific causes (fire, water, theft...). Home Premium's All-Risk Accidental cover goes further: it also covers accidental damage that you yourself unintentionally cause to your home or belongings, which wouldn't fit under any of those "classic" causes.
Does it cover me dropping my phone or laptop on the floor at home? +
Yes, that kind of accidental damage is exactly what Home Premium's All-Risk Accidental cover protects against, within the limits and terms of your policy.
Does it cover accidentally staining the rug or the sofa? +
Yes, accidental stains or damage to upholstery, rugs and similar items in your home are included under the All-Risk Accidental cover.
Does it cover a child breaking something while playing at home? +
Yes, accidental damage caused at home, including damage from everyday household mishaps such as those caused by young children, falls under Home Premium's All-Risk Accidental cover.
Does it cover breaking a painting or a valuable decorative item while moving it? +
Yes, as long as it's accidental damage and the item is correctly declared and valued in your policy, especially if it's a valuable piece.
What sum insured limit does the jewellery and valuables cover have in Home Premium? +
Home Premium raises the theft and valuables limits compared with Home Protection, but the exact figure depends on the sum insured we agree on together based on what you need to protect. I'll give you the precise figure when I prepare your proposal.
Does it cover spilling water or a drink on my computer or television? +
Yes, that kind of accidental damage to electronic devices falls within the scope of the All-Risk Accidental cover, always within the terms of your policy.
Is there any type of accidental damage that isn't covered even under Home Premium? +
Yes: as with any insurance, there are exclusions (for example, normal wear and tear, or intentional damage). I'll explain them to you one by one before you take out the policy, so you know exactly what's excluded.
Does it cover damage I cause myself by accident, not just damage caused to me by third parties? +
Yes, that's precisely the difference between Home Premium and Home Protection: as well as the usual cover, it also includes accidental damage that you unintentionally cause yourself.
Is All-Risk Accidental cover worth it if my furniture and appliances are already old? +
It depends on their real value and how much an accidental mishap would worry you. I'll help you weigh up whether it's worth it for your real situation, without selling you cover you won't actually need.
Can I move from Home Protection to Home Premium later on without any problem? +
Yes, it's common to upgrade your option when your needs change (a renovation, more valuable belongings, etc.). I'll help you make the switch whenever you like, and go through what extra cover you'd gain.
Does All-Risk Accidental cover have a special excess? +
It may carry a specific excess different from the rest of the cover, depending on the option and sum insured taken out. I'll confirm the details before you take out the policy, so you're clear on it from the start.
Does it cover a home with artwork, antiques or valuable collections? +
It can be covered, but items like these usually need a separate valuation and specific cover apart from the general contents cover. Tell me what you have at home and we'll set it up properly.
Let's get started

Maximum peace of mind for your home.

Tell me what your home is like and I'll prepare a clear Premium proposal, no obligation and no extra cost for my advice.

Request a quote → Message me on WhatsApp