624 185 167 Get your quote
Home Insurance

The home insurance that fits your situation

There isn't one single way to live in a home, so there isn't one single home insurance either. Whether you're an owner, over 60, a landlord or renting, I have the option built for you, and I'll help you choose it at no extra cost.

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 look at your home and your real situation before suggesting anything
  • ✓ I explain buildings, contents and cover with no jargon
  • ✓ I'm still there the day you actually need to use your policy

Every home insurance starts from the same core.

Whatever the option, the core protection is similar: your home and everything inside it, protected against fire, water damage, theft and breakages, plus your civil liability if you cause damage to someone else, and 24-hour assistance for when something breaks and can't wait.

What changes is who it's aimed at and what it adds: there's an option built for the everyday needs of any owner, another with the highest level of cover possible, one designed for over-60s, and two specific options for renting — whether you're the landlord or the tenant.

How I work: I don't hand you a one-size-fits-all package. We talk about your actual home, and choose together the option and the cover you really need.

What's covered

Main coverage.

Fire, explosion and lightning

The core of every home policy, including smoke damage and rebuilding an affected garden.

Water damage

Leaks, seepage and accidents, including locating and repairing the leak itself.

Theft, robbery and burglary

Inside the home, in storage rooms and garages, with specific cover for jewellery and valuables.

Breakages

Glass, mirrors, sanitary ware, ceramic hobs and worktops.

Civil liability

If you cause damage to someone else — your downstairs neighbour, for example — with legal defence included.

24-hour assistance

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

Buildings and contents: the number one question.

Buildings cover is the property itself — walls, ceilings, fixed installations, kitchen, bathrooms; contents cover is everything inside that you'd take with you if you moved: furniture, appliances, clothes, jewellery. If you own your home, you usually insure both; if you rent, you usually only need contents cover.

Getting this figure right — based on rebuilding cost, not market value — is what stops you from getting a nasty surprise the day you need to use your policy. It's exactly what I review with you before suggesting anything.

Home Insurance Range

Choose the home insurance that fits you.

These are some of the options I manage most often. If your case is different, tell me about it: I can very likely help you too.

Home Protection

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

Discover this policy →

Home Premium

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

Discover this policy →

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 with me.

  • ✓ I look at your real situation before suggesting anything
  • ✓ I point you to the Home Insurance option that fits you
  • ✓ I explain cover and terms with no jargon
  • ✓ My advice never costs you more

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

About me →
How to get covered

Your Home Insurance in three steps.

1

Tell me about your situation

Owner, tenant, over 60, or landlord: tell me what your home is like and what you want to protect.

2

I point you to the right option

I explain which one fits you and prepare a proposal with cover and sums insured adjusted to you, with no small print.

3

We activate it and I stay by your side

We leave your home protected, and I remain your point of contact for whatever you need, including when a claim comes up.

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's the difference between Home Protection and Home Premium? +
Home Protection covers the full everyday core: fire, theft, water, breakages, civil liability and 24h assistance. Home Premium includes all of that and adds All-Risk Accidental cover — damage you cause yourself by accident — plus higher compensation limits.
I live in rented accommodation, which insurance is for me? +
If you rent your home, Tenant Home is for you: it protects your contents and your civil liability. If instead you own a property and rent it out to someone else, Rental Home (Landlord) is for you, built for rent defaults and tenant damage.
Is home insurance compulsory if I have a mortgage? +
A full home insurance policy isn't required by law. With a mortgage, the law only requires fire damage cover on the property, and you can take it out with whichever insurer you choose: the bank can't force you to take it out with them.
What's the difference between buildings and contents cover? +
Buildings cover is the property itself (walls, installations, kitchen, bathrooms). Contents cover is everything inside that you'd take with you when moving (furniture, electronics, clothes, jewellery). Owners usually insure both; tenants usually only need contents.
I'm over 60, do I need to change insurance? +
From age 60 your home insurance automatically becomes Home Senior: the same protection as always, with priority attention and an added social guidance service, with no extra paperwork on your part.
Can I take out home insurance for my parents? +
Yes, it's very common. If they're over 60, Home Senior is the right option for them. I handle the process and they get priority attention and one point of contact.
How much does home insurance cost on average in Spain? +
The price varies a lot depending on the size of your home, its location, the rebuilding value and how much contents cover you want, so there's no single figure that fits every case. The most useful approach is to ask for a calculation using your home's real details, with no commitment.
What happens if I misstate the value of my home when taking out the policy? +
If you insure your home for less than its real rebuilding value, you can end up under-insured: in the event of a claim, the insurer might only compensate you in proportion to what you actually insured, not 100% of the damage. That's why we carefully work out that value together when you take out the policy. If you renovate, that value can fall short: I explain it in this article on renovations and home insurance →
Does home insurance cover damage caused during a house move? +
It's not usually a standard cover under home insurance, since the removal itself is normally the responsibility of the company carrying it out (which should have its own liability insurance). If you have doubts about a specific case, tell me about it and we'll look into it.
Can I have two home insurance policies at the same time, for example for my main home and a second residence? +
Yes, no problem at all. Each home is insured with its own policy (or they can be combined depending on the case), adjusted to its use: main residence or second home. I'll help you organise it so that each one has the cover it needs.
What excess does home insurance have? +
It depends on the option and the cover you take out: some guarantees have no excess, while others (such as certain accidental damage cover) may carry one. I'll tell you exactly which excesses apply before you take out the policy, so there are no surprises.
Does home insurance cover damage caused by a storm or strong wind? +
Yes, damage from weather events such as strong wind is usually covered under the standard guarantees of home insurance, although the exact details depend on the policy. I'll confirm this specifically for whichever option you choose.
What happens if I switch insurer partway through my home insurance policy? +
You can switch insurer as long as you respect the notice periods in your current contract, usually before its annual renewal. I'll help you compare your current policy with the new one and manage the switch at the right time, so you're never left without cover for a single day.
Does home insurance cover solar panels or photovoltaic panels? +
It can be covered as part of your home's fixed installations, but it should be specifically declared when taking out the policy so it's correctly valued within the buildings cover. Tell me if your home has solar panels and we'll review it together.
How long does home insurance take to pay out after a claim? +
The timeframe depends on how complex the claim is and how quickly the necessary documentation is provided (loss adjuster's report, repair estimates, etc.). Simple claims are usually resolved within days or a few weeks; more complex ones can take longer. I'll be with you throughout the process to help speed it up.
Does home insurance cover damage caused by pets? +
Damage your own pet causes inside your home isn't usually covered as a home insurance claim, but if your pet causes damage to a third party (for example, to a neighbour), your policy's civil liability cover can come into play. I'll explain the exact scope based on your situation.
Do I need home insurance if the building already has Community Buildings Insurance? +
Yes. Community Buildings Insurance covers the building's shared areas and elements (façade, roof, entrance hall, lift), but it doesn't cover what's inside your home, your contents, or your individual civil liability. These are complementary covers, not alternatives to each other. See Community Buildings Insurance →
What happens if my home is empty or unoccupied for most of the year? +
An unoccupied home has a different risk profile (for example, a water leak that takes longer to detect), so it's worth declaring this when you take out the policy so it's properly adjusted to your situation. Tell me about your case and we'll find the right cover. Read more in this article on home insurance while on holiday →
Does home insurance cover items I keep in a communal storage room or garage? +
Yes, many options include theft and damage cover for storage rooms and garages, with a specific sum insured that's usually lower than the rest of your home. I'll confirm the exact scope depending on the option you choose.
Can I make changes to the policy if I renovate my home or buy valuable items? +
Yes, and it's well worth letting me know when that happens: a renovation can change your home's rebuilding value, and a new valuable item (jewellery, expensive electronics) may need specific cover to be properly protected.
Let's get started

Tell me your situation and let's find your home insurance.

A 5-minute call is enough to know which option fits you. No obligation, and no extra cost for my advice.

Request a quote → Message me on WhatsApp