Home insurance: your home insured for what it is really worth
Your main home, your second home or the flat you let out. We review what your policy covers, how much it is insured for and how your insurer will respond on the day you need it.
Much more than the insurance your mortgage requires
Home insurance protects the building or your share of it (buildings cover), what is inside it (contents) and your liability to third parties as owner or tenant.
It is often taken out in a hurry when signing the mortgage and never reviewed again. The result is outdated sums insured, cover that doesn't fit the home and surprises at the first major claim.
Worth knowing
Insure the building for its rebuilding cost, not its purchase price. If the sum insured is too low, the insurer may pay only part of the loss.
The cover worth having
Buildings
Walls, floors, fixtures and fittings, at rebuilding value.
Contents
Furniture, appliances, clothing and personal belongings, at replacement value.
Water damage
Leaks, burst pipes and seepage, including finding and repairing the fault.
Theft
Theft and robbery inside the home and, depending on the policy, outside it.
Liability
Damage that you or your family cause to others, including away from home.
Home assistance
Emergency locksmith, plumbing or electrical help and repairs by the insurer's tradespeople.
Specific cover depends on the policy and insurer chosen. We set out in writing what each proposal includes.
What we review before recommending a policy
We compare the leading insurers and review the points that, on the day of a claim, decide what you will be paid.
- Sums insured. Buildings at rebuilding value and contents in line with what you actually own.
- Valuables. Jewellery, art or high-value equipment usually have low limits unless declared.
- Water damage. Deductibles, trace and access, and cosmetic damage.
- Second homes. Unoccupancy periods and the security measures required.
- Let property. If you are the landlord, coordinate your policy with the tenant's and with rent guarantee insurance.
Your family's insurance, with the same rigour as your company's
Many of our private clients are business owners and executives who already trust us with their company. We review their personal insurance with the same technical rigour and, if a claim arises, our own claims department, supported by the Group's Legal Department, Trebia Abogados, defends them before the insurer until they are paid.
What clients usually ask us
Is home insurance compulsory?
Not as a general rule. If you have a mortgage, the bank can require property damage insurance on the home, but you can choose the insurer; you do not have to take it out with the bank.
How much should I insure my home for?
The building, for the cost of rebuilding it, which is not the same as its market value. You can estimate it with our rebuilding value calculator.
Are my jewellery and artworks covered?
Usually only up to a low limit. If their value is significant, they should be declared or included in a High Net Worth programme.
What if the flood is caused by an extraordinary storm?
Extraordinary risks are paid by the Consorcio de Compensación de Seguros, provided you have property damage insurance on the home.
We will review your home insurance free of charge
Tell us who you are and one of our specialists will contact you to review your current policies or present comparative proposals. If you are already a Trebia client through your company, let us know.
- Comparison across more than 40 insurers
- A review of your current policy, if you have one
- A single point of contact who also supports you with claims
Request your review
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