The best house is the one where the owner has less work.
Lack of detailed and straightforward information makes it difficult to choose an insurance company. Our business is transparent, as we seek to provide to our clients all information necessary to make a weighted decision when choosing an insurance plan.
Real property insurance is the only way to avoid important financial damage in case of an insured event such as flood, fire, burglary, leakage.
HOME insurance policy by Expert Agents provides coverage for your Spanish property, that will completely comply with your requirements, with the wides scope of guarantees.
| GENERALI HOGAR | Main dwelling | Second dwelling | ||
|---|---|---|---|---|
| Insurance cover limit | Insurance cover limit | |||
| Basic covers | Property | Contents | Property | Contents |
| 1. Fire and other damage Fire, explosion, lightning strike |
100% | 100% | 100% | 100% |
| Damage by smoke | 100% | 100% | 100% | 100% |
| Exterior impacts | 100% | 100% | 100% | 100% |
| Total ruin due to works carried out by third parties | 100% | 100% | 100% | 100% |
| Fire due to short circuit | 100% | 100% | 100% | 100% |
| Damages caused by water, foam or other substances during fire-fighting works | 100% | 100% | 100% | 100% |
| Spillage of liquids other than water | 100% | 100% | 100% | 100% |
| Refrigerated foods Low temperature damages |
- | 1%( max. 1000€) | - | - |
| 2. Meteorological phenomena Wind, rain, hail, snow |
100% | 100% | 100% | 100% |
| Leaks and seepage | 100% | 100% | 100% | 100% |
| Flooding | 100% | 100% | 100% | 100% |
| 3. Water damage Water floding |
100% | 100% | 100% | 100% |
| Detection and reparation | 100% | - | 100% | - |
| Urgent plumbing without elimination of cause of damage | 200€ | - | 200€ | - |
| Urgent sewage pipes unblocking | 400€ | - | 400€ | - |
| 4. Breakages Glass panels and mirrors |
100% | 100% | 100% | 100% |
| Methacrylate and similar materials | 100% | 100% | 100% | 100% |
| Sanitary ware | 100% | - | 100% | - |
| Natural and artificial stone countertops | 100% | 100% | 100% | 100% |
| Glassceramics | - | 100% | - | 100% |
| Sun panels | 100% | - | 100% | - |
| 5. Burglary and vandalism Burglary and related damage |
100% | - | 100% | - |
| Burglary and robbery of furniture and personal effects | - | 100% | - | 100% |
| Burglary and robbery of money (outside a safe box) | - | 1% of effects(max. 500€) | - | 1% of effects(max. 500€) |
| Burglary and robbery of jeweller(outside a safe box 3000€) | - | 100% personal capital | - | 100% personal capital |
| Burglary and robbery of jewellery (from a safe box) | - | 100% personal capital | - | 100% personal capital |
| Burglary and robbery of valuable assets | - | 100% personal capital | - | 100% personal capital |
| Burglary and robbery in annexe buildings | - | 10% (1.500 €/object) |
- | 10% (1.500 €/object) |
| Burglary and robbery in private gardens, terraces and adjacent territories | - | 10% (500€ /object) |
- | 10% (500€ /object) |
| Theft | - | 5% value of the effects | - | 5% value of the effects |
| Acts of vandalism | 100% | 100% | 100% | 100% |
| Robbery related replacement of keys and locks | - | 1% of effects (max.500€) |
- | 1% of effects (max.500€) |
GENERALI HOGAR insurance plan for real property owned by the insurant may be applied to: immovable property pertaining to a dwelling; interior decoration, including doors and windows; dwelling equipment, including sanitary-ware, heating, water supply, electric power supply; home appliances, including kitchen appliances;
Movable property comprising personal effects, TV and radio, furniture, musical instruments, carpets, bed linen.
| GENERALI HOGAR | Main dwelling | Second dwelling | ||
|---|---|---|---|---|
| Insurance cover limit | Insurance cover limit | |||
| Basic indirect damage covers | Property | Contents | Property | Contents |
| 1. Demolition of buildings, rescue works and other expenses. | 10% | 10% | 10% | 10% |
| 2. expenses related to temporary inhabitability of the dwelling | ||||
| Temporary residence rent | - | 25% (max. 2 года) | - | 25% (max. 2 года) |
| Move and storage of property | - | 10% ( max. 6 мес.) | - | 10% ( max. 6 мес.) |
| Оплата гостиницы | - | 5% ( max.3000 €) | - | 5% ( max.3000 €) |
| 3. Cosmetic restoration | Established limits | - | Established limits | - |
GENERALI HOGAR insurance plan covers civil liability for any damage caused to life and health or property of any third parties in the course of use of the real property owned by the holder of the policy.
| GENERALI HOGAR | Main dwelling | Second dwelling | ||
|---|---|---|---|---|
| Insurance cover limit | Insurance cover limit | |||
| Basic covers outside the dwelling | Property | Contents | Property | Contents |
| 1. Burglary outside the dwelling Burglary |
- | Established limits |
||
| Fraudulent use of credit cards and cheques as a result of theft | - | Established limits | ||
| 2. provisional residence Short-term dwelling in hotels and apartments |
- | 10% effects |
||
| Damage and theft of luggage | - | 1% effects (max. 1.000€) |
||
| Additional covers | Cover limit | Cover limit | ||
| 1. Extensions Hogar Confortable Damage by frost |
2.000€ |
2.000€ |
||
| Damage by heat | - | 100% | 100% | |
| Other damage (gardening equipment and sanitary-ware) | 100% | 100% | 100% | 100% |
| 2. Extensions Hogar confortable, including additional covers Hogar Confortable+ |
||||
| Localisation and elimination of leakage of water without damage | 1.000€ | - | 1.000€ | - |
| Excess water use | 1.000€ | - | 1.000€ | - |
| Cosmetic restoration of furniture | - | 1.500€ | - | 1.500€ |
| Use of stolen cards / cheques and copies thereof | - | 1.000€ | - | 1.000€ |
| Theft from sports centre lockers | - | 1% (max.1.000€) | - | 1% (max.1.000€) |
| Unfaithfulness of domestic employees | - | 1% (max.3.000€) | - | 1% (max.3.000€) |
| 3. All-risk cover | 100% | 100% | 100% | 100% |
| 4. Reparation of garden | 100% personal capital | - | 100% personal capital | - |
| 5. Vehicles in the garage | - | 100% personal capital | - | 100% personal capital |
| 6. Money in a safe box | - | 100% personal capital | - | 100% personal capital |
Insurance policy GENERALI HOGAR covers:
| GENERALI HOGAR | Main dwelling | Second dwelling |
|---|---|---|
| Insurance cover limit | Insurance cover limit | |
| CIVIL LIABILITY | ||
| 1. Owner’s civil liability | Established limits | |
| As the owner | Established limits (for every injured 150.000€) |
Limit per injured 150.000€ |
| As the tenant regarding the owner | Limit for protection and bail 150.000€ | |
| 2. Civil liability in the area of private life. | ||
| Civil liability of the head of the family and family members | ||
| Civil liability for owners of pets | ||
| 3. Civil liability of owners of dangerous dogs | Additional covers | |
| DEFENCE IN COURT | ||
| 1. Legal defence and claim of damages | 6.000€ | 6.000€ |
| 2. Extended defence | Additional covers | Additional covers |
| 3. Exclusive extended defence | Additional covers | Additional covers |
| SERVICES | ||
| 1.Home assistance | Included | Included |
| 2. Services for pets and plants | Additional covers | |
| 3. Protection for mobile phone | Additional covers | |
| 4. Integrated technology services | Additional covers | |
GENERALI HOGAR insurance policy provides new covers:
Clients of GENERALI HOGAR receive professional support 24/7, and enjoy a list of unique and complete services such as:
F or those who always require the best for their security Insurance plan GENERALI AMPLIACION HOGAR EXCLUSIVO offers Exclusive Home Extension covers:
(Ilf and Petrov)
