Frequently asked questions about home insurance

In this case, when it is less than the value of the property, there will be a proportion deducted from the indemnity and, if it is higher, then there will also be an indemnity adjustment according to the damage.

We cover material damage caused by accidental leaks from pipes, water or fuel leaks from tanks connected to the water installation, burst pipes due to freezing conditions or a failure to close taps, as well as any damage to the home caused by leaks resulting from sealing joint defects (bathtubs, shower trays, etc.) and expenses for repairing concealed or exposed pipes and unclogging pipes.

We do not cover any damage that originates in septic tanks, manholes, storm drains, sewers, drains or rainwater, nor the repair of corroded pipes or in a state of obvious disrepair. Neither do we cover the repair of appliances, taps, stopcocks, boilers, heaters, etc. that have caused the damage, nor any excess water consumption you might have had as a result of the accident.

*For further details, see your policy’s terms and conditions and insured sums.

We cover damage to the electrical installation or electrical appliances caused by voltage surges or dips, short circuits or lightning strikes. We do not cover breakdowns resulting from wear and tear of the elements themselves (for instance, an appliance receiving current but not working), breakdowns of appliances still under warranty, blown light bulbs, lights, halogen bulbs and the like, and any damage caused by maintenance work.

*For further details, see your policy’s terms and conditions and insured sums.

We cover material damage caused by fire, explosions or lightning strikes, as well as any associated extinguishing, salvaging and debris removal expenses. Furthermore, suppose your home becomes temporarily uninhabitable as a result of a claim covered by the policy. In that case, we will pay you the rental price of another home for as long as it takes to repair or rebuild your home. If you have rented out the home, we will indemnify you for the loss of the rent you no longer receive.

*For further details, see your policy’s terms and conditions and insured sums.

We cover material or personal damage caused to a third party for which you may be held liable —regardless of whether the cause of the damage lies in the house or insured fixed installations— resulting from carrying out minor building works or the damage caused by people living with you in the house, such as minor children. We also cover damage to third parties caused by pets, provided their relevant documents and sanitary controls are up to date.

*For further details, see your policy’s terms and conditions and insured sums.

Home insurance not only protects you against an unexpected situation it also offers a set of support services, including a maintenance service that allows you to make adjustments or minor repairs in the home. You are entitled to one free service a year that includes travel, labour and materials (for some services), which can be chosen from the following:

• Flushing mechanism repair or replacement (materials included).

• Adjustment of a sanitary fixture: floor-standing sink, bidet and toilet or toilet lid, unless it is in poor condition (materials included).

• Repair of radiator valve or bleeder leaks (materials included).

• Repair or replacement of taps or stopcocks (materials up to €90).

• Adjustment of shower tray or bathtub valve when it has been displaced or overflow drain (materials up to €18)

• Repair or unblocking of a roller blind or replacement of non-metallic roller blind slats or cords. In the case of electric roller blinds, repair of the motor or its controls. Does not apply to work at heights (materials excluded).

• Main door lock repairs or replacement (materials excluded). Master keys and garage door remote controls are not covered.

• Small window operation repairs —including the bearings— even where grinding is necessary (materials excluded).

• Small repairs to the operation of one of the doors, including access doors, interior doors and wardrobe doors —including sliding door bearings— even where grinding is necessary. Door grinding is also included, but not varnishing or painting (materials excluded).

*For further details, see your policy’s terms and conditions and insured sums.

We offer you legal advice to sort out any issues related to family or private matters and to claim damages from third parties.

*For further details, see your policy’s terms and conditions and insured sums.

If a claim is not covered by the policy, we place a network of trusted professionals at your disposal to carry out home renovations or repairs and we assume the cost of the professional's travel expenses.

We have plumbers, electricians, glaziers, carpenters, locksmiths, varnishers, glass cleaners, bricklayers, roller blind fitters, plasterers, carpet layers, parquet specialists, upholsterers, aerial installers, contractors, painters, etc.

We also have technicians who specialise in household appliances, entry phones, metalwork, televisions and DVD players, and general cleaning.

*For further details, see your policy’s terms and conditions and insured sums.

Home insurance only covers liability for damage caused to third parties by pets, regardless of their species or the danger they pose.

However, you can take out supplementary pet insurance from SegurCaixa Adeslas and gain access to veterinary care and an extensive network of clinics, as well as to specific types of coverage for your pet (solely for dogs and cats).

Through home insurance, we cover any damage that may be caused to appliances due to the causes set out in the policy, such as water damage caused by a burst pipe, a fire or an electrical disturbance. Breakdowns of the appliance itself are not covered.

Nonetheless, SegurCaixa Adeslas places at your disposal an appliance and leisure goods supplement to offer you more extensive coverage in the event of any eventualities.

The policy covers locks that have been forced or stolen keys, which must be duly reported to the authorities. However, it does not cover the loss of keys.

We cover both the home itself and a storage room that is within a condominium or a single-family home, provided it is not more than 200 metres away from the main home.

It means insuring something below its value; that is, it is a situation where the insured sum’s value is lower than the actual value of the insured asset, and as a consequence of this, the proportional rule applies.

The formula for calculating the proportional rule is as follows: (insured sum in policy * amount of damage suffered) / actual value of the insured objects.

Thus, if the insured asset has an actual value of €100 and it has been insured for €50, where the damage amounts to €300, compensation will amount to €150

Robbery involves stealing something through the use of violence or intimidation. No violence or intimidation is involved in theft when something is stolen, and the victim becomes aware that one of their belongings is missing afterwards.

Home insurance is not compulsory. However, taking it out offers you peace of mind and protection against any unforeseen event that may take place in your home and it includes assistance 24 hours a day, 365 days a year.

Yes, you can. As a matter of fact, it is advisable.

SegurCaixa Adeslas policies offer owners extensive coverage and provide specific guarantees, such as acts of vandalism caused by the tenant or the loss of rent in case of any eventualities that may occur.

SegurCaixa Adeslas policies likewise offer coverage to tenants should the home become uninhabitable.

A claim is any sudden unforeseen damage or loss beyond the insured party's control having the consequences set forth in your policy’s types of coverage like, for instance, breakage of glass or sanitary fixtures.

On the contrary, breakdowns or breakages that occur as a result of continued wear and tear over time are not considered a claim (for instance, a mechanical boiler breakdown).

To report a claim:

1. If anyone is injured or you are in danger, call the 112 emergency service.

2. Use all the means at your disposal to minimise the accident’s consequences.

3. Report the accident as soon as possible on our website or by calling 900 50 50 40 or 91 489 43 17

4. Take note of all the damage in order to provide as much information as possible on the accident and the damaged goods.

5. Keep the accident’s remnants, traces and evidence.

Once all the documents needed to process the claim have been received and if no further clarification or intervention of a loss adjustor is needed to appraise the damage, compensation will be paid within 48 working hours of receipt thereof.

We can count on emergency plumbers, electricians and locksmiths to make your installations operational again and protect your home in the event of a claim covered by the policy.

Yes, in the case of MyBox Hogar insurance with a triennial price, it is possible to pay monthly without any surcharges or to pay for it in advance with a 5% discount for Premier or Private Banking customers. In the case of the rest of the home insurance policies having an annual premium, payment can be split with a small percentage surcharge (2% half-yearly, 4.5% quarterly and 6% monthly).

The only payment method currently available for home insurance is by direct debit.