Home Protection insurance: your home and your everyday life, always covered
Your home is much more than four walls: it's your biggest asset and your peace of mind. With Home Protection I cover what matters most — fire, theft, water damage, breakages, civil liability — and everyday life too, with 24-hour emergency assistance for when something breaks and can't wait.
- ✓ I review your actual home, not a generic form
- ✓ We adjust buildings, contents and sums insured together
- ✓ My advice never costs you more
What it is and why it's right for you.
Home Protection insurance is the policy that repairs or compensates damage to your home and to everything inside it, and that answers for you when you cause damage to someone else. It's designed to be your full everyday safety net: from the big scare — a fire, a flood, a burglary — to the small setback that ruins your week — a leak, a broken window, an electrical fault.
It's the home insurance most people take out, because it covers what actually happens to most homes, with 24-hour assistance included and no filler cover that only inflates the price.
How I work: I don't hand you a closed package. I review what your home is like — owned or rented, primary or second home, its rebuilding value and what you keep inside — and we adjust cover and sums insured so you pay for what you need, no more, no less.
Main coverage.
Fire, explosion and lightning
The core of every home policy: fire, explosion, lightning, smoke damage and rebuilding an affected garden.
Theft, robbery and burglary
Inside the home, in storage rooms and garages, including cash, damage caused by burglars and lock replacement.
Jewellery and valuables
Specific cover for jewellery, fine costume jewellery, watches and similar items, with a sum insured we define together.
Water damage
Leaks, seepage and accidents, including locating and repairing the leak: the dreaded hunt for where the water's coming from.
Breakages
Glass, mirrors, acrylic, sanitary ware, ceramic hobs and worktops.
Civil liability
If you cause damage to someone else — your downstairs neighbour, for example — with legal defence and bail bonds included.
24-hour assistance
Emergency plumbing, locksmith, glazing and electrical work, plus multi-service support and handyman ('manitas') callouts.
Additional cover
Debris removal, temporary uninhabitability, electrical damage, vandalism, new-for-old value and automatic sum insured uplift.
Buildings and contents: what each one is (and why it matters).
It's the number one question when taking out home insurance, and getting it wrong here is exactly what makes a policy 'not cover' you when the problem arrives. Buildings cover is the property itself: walls, ceilings, floors, installations, kitchen, bathrooms, doors and windows. Contents cover is everything inside that you'd take with you if you moved: furniture, appliances, clothes, electronics, jewellery and belongings.
If you own your home, you usually insure buildings and contents. If you rent, you usually only need contents cover — the landlord insures the building — and if that's your case, your product is Tenant Home. The classic mistake is insuring the building at its market value instead of its rebuilding value. Getting this figure right avoids under-insurance, and also avoids paying too much: we work that out together.
Is home insurance compulsory if I have a mortgage?.
There's a lot of confusion here, and it's worth being clear because it affects your wallet: a full home insurance policy is not required by law. The only thing the law requires with a mortgage is fire damage cover on the property — a minimum, not a full home policy.
And most importantly: you can take it out with whoever you want. The bank can ask for that fire cover, but it can't force you to take it out with them; theirs is often more expensive and covers less. My advice: take out a good Home Protection policy — which already includes that cover and much more — with whoever covers you best, and I'll help you compare it with what your bank offers.
Choose the home insurance that fits you.
Home Protection is the most complete everyday option and the one most people take out. But depending on your situation, another option in the range might fit better.
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 Protection with me.
- ✓ Personal, close service: you always talk to me
- ✓ I explain it with no jargon: buildings, contents, under-insurance, excess
- ✓ I adjust the policy to your real home, no more and no less cover than you need
- ✓ I'm there for you when a claim comes up too, which is when it matters most
- ✓ My advice never costs you more
Registered with the Spanish Insurance Distributors Registry (DGSFP) no. C0133X4340072H
About me →Your Home Protection in three steps.
Tell me about your home
Tell me what your home is like and what you want to protect, by phone, WhatsApp or the contact form.
I prepare your tailored proposal
We work out buildings and contents cover and choose the guarantees. I explain it all clearly, with no small print.
We activate it
Once you're happy, we leave your home protected. 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 does home insurance cover? +
What's the difference between buildings and contents? +
Is home insurance compulsory if I have a mortgage? +
Does it cover water damage and finding the leak? +
Does it cover damage I cause to a neighbour? +
Does it include emergency assistance if something breaks? +
Does it cover theft of jewellery or theft outside the home? +
Can I insure a second home or a rented property? +
Let's protect your home, your way.
Tell me what your home is like and I'll prepare a clear proposal, no obligation and no extra cost for my advice.