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.
- ✓ 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.
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.
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.
Home Premium
Everything in Protection plus All-Risk Accidental cover and higher limits.
Anyone who wants maximum cover.
Home Senior
Full cover plus priority attention and social guidance.
People over 60 (or their children).
Rental Home (Landlord)
Rent default, tenant damage and legal defence.
Owners who rent out their property.
Tenant Home
Your belongings and your civil liability as a tenant.
People who live in rented accommodation.
See all insurance policies
See all insurance policies →
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 →Your Home Premium in three steps.
Tell me about your home
What you want to protect, by phone, WhatsApp or the contact form.
I prepare your Premium proposal
We value buildings, contents and special items, and decide which extras add real value. I explain it all clearly.
We activate it
We leave your home with maximum protection. And I stay by your side for whatever you need.
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? +
What's the difference between Home Premium and Home Protection? +
Does it cover if I drop the TV or stain the sofa? +
Is it worth paying more for the Premium range? +
Does it cover theft outside the home and of valuables? +
Does it include 24-hour assistance? +
Can I insure a high-value home or a second residence? +
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.