ParticularesInsured Capital M€248 Policies processed4.600 Clients3.850
Home insurance
It's not just about protecting your house, but about protecting everything it means to you.
In short
What is home insurance
Home insurance covers the building —the construction of the dwelling— and the contents —what is inside—, in addition to family civil liability for damages caused to third parties, which is the most used and least known guarantee. Water damage accounts for the majority of claims in this branch, and its treatment in the policy wording is what differentiates a correct policy from a cheap one.
Advantages
Advantages of home insurance
It is the most commonly used home policy and, almost always, the worst sized.
The conflict with the neighbour resolves itself
When water leaks to the floor below, the dispute ceases to be between individuals and is resolved between insurers. This saves more cohabitations than any guarantee in the policy wording.
Replace without touching savings
Refurnishing a home costs tens of thousands of euros. The compensation prevents decapitalising savings or resorting to consumer credit.
You comply with both the bank and the landlord
The mortgage requires insuring the building and many rental contracts require tenant liability. A single policy meets both requirements.
Ridiculous cost compared to what it protects
The annual premium for a well-sized home is a fraction of the cost of a single serious water claim. It is the best cost-protection ratio in the family budget.
Profile
Who it is for
Owners of main residence
Who must cover building and contents and be liable to neighbours for damages from their dwelling.
Tenants
They contract contents and liability; the building belongs to the owner.
Owners who rent out
They need building cover, loss of rent, and often rent default cover.
Second homes
Homes unoccupied for much of the year, with greater exposure to theft and undetected water damage.
Technical criteria
Where conflicts are concentrated
After thousands of home claims processed, conflicts always concentrate on the same points.
Undervalued contents
Adding up furniture, appliances, clothing, and electronics in an average home easily exceeds €40,000. Almost no one insures that much, and the proportional rule reduces the compensation.
Exclusion of fault location
Many policies cover water damage but not the cost of breaking to locate the leak or repair the pipe. This is the item that generates the most disputes.
Undeclared valuables
Jewellery, art, and watches have low sub-limits by default. Without express declaration and valuation, they are compensated well below their value.
Unoccupied home
If the policy defines unoccupancy as starting from thirty consecutive days and it has not been declared, theft may not be covered.
Scope
Main covers of home insurance
- Building: structure, fixed installations, floors, tiling, and kitchen and bathroom elements
- Contents: furniture, appliances, clothing, electronics, and personal effects
- Water damage, including location and repair of the fault if contracted
- Fire, explosion, theft, burglary, and electrical damage
- Family liability, inside and outside the home, including pets
- Home assistance, DIY, and legal defence
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre home insurance
How do I calculate the building capital?
By reconstruction cost, not market price or cadastral value. The land does not burn: what needs to be insured is what it would cost to rebuild the home, which in practice is usually between €700 and €1,200 per square metre depending on the area and quality.
And the contents?
Imagine having to replace everything brand new. Between furniture, appliances, clothing, household items, and electronics, an average family home exceeds €40,000. This is the capital that is most systematically undervalued.
Does the insurance cover the repair of the burst pipe?
The damage caused by the water is always covered. The location of the fault and the repair of the pipe itself only if those guarantees have been contracted. They are cheap and avoid the most common conflict in this area, so we include them by default.
Who pays if my neighbour's flat gets flooded?
Your liability, as long as the origin is in your home and there is fault. If the origin is in a common element, the community's insurance responds. Determining the origin is the first thing that is done, and where it is advisable to have someone defending your position.
Do I need insurance if I am a tenant?
Yes, although different. The owner insures the building; you need contents cover for your belongings and, above all, liability cover, because you are responsible for any damage you cause to the property and to neighbours. Moreover, many rental contracts require it.
Does the Consorcio cover floods?
Extraordinary floods, earthquakes, and terrorism are compensated by the Consorcio de Compensación de Seguros, provided you have a policy in force and have paid the surcharge, which is included in the bill. Ordinary rain and leaks are covered by your insurer.
Home
Your home insurance, reviewed before you need it
With the square metres of your home and your current policy, we tell you if there is underinsurance and which guarantees you are missing from the most commonly used ones.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
