Your home is where you feel covered
Home insurance guarantees you the best protection against unexpected events that can damage your home, even in situations where your family needs the most comprehensive, personalised attention.
Having the best home insurance will give you all the peace of mind you are looking for, for your home and your family.
Because every home is different, you can choose the cover that best suits your property and your family's needs.
With Hogar Plus insurance, you are covered for damage caused by water, fire, theft, and weather-related or electrical damage, as well as a lot of other damage that can be caused to your property.
Services designed to make your day-to-day life easier, such as DIY, repair of domestic appliances and a phone service for medical, legal and IT queries.
Hogar Plus insurance is designed to adapt to your property, whether you are looking for home insurance for a house, a loft, a flat or a home in the city, you will find the best offer.
We offer you a fast, effective response from our professionals in the event of a claim, especially with claims relating to locksmiths and electricity.
Your interests and those of your family will always be in good hands with the civil liability and legal protection cover provided by our home insurance.
Because the needs of each property are different, you can choose the option and plan that best suits your circumstances.
For anyone looking to protect their main residence, with all the cover needed in your day-to-day life.
Designed to protect properties that you usually visit less often, for you to have the peace of mind of being able to enjoy it, come what may.
If you rent a property to a tenant, we want you to do so having the best guarantees possible by offering you this insurance.
Because even unoccupied properties need to be properly protected, with the specific guarantees required.
There are many situations which could lead to your house and belongings being affected by fire, either from everyday accidents or other incidents. Plus Ultra Seguros covers you for any damage caused directly by fire, any explosions of equipment or devices (from regular use), as well as any damage caused by lightning.
Water damage is one of the most common forms of home insurance coverage, and unsurprisingly, it's one of the most common household incidents to occur. Damage can come from beyond your own home too, from any adjoining properties. Accidental leaks, breakages, or taps left running are just some of the issues we cover.
Incidents caused by power surges, short circuits or overloaded devices are some of the most common causes of electrical damage. With Hogar Plus, you protect your home's electrical installations, as well as any failures or faults in electrical appliances or electronics damaged as a result of these events.
Although your property is well-prepared for most weather, particularly strong weather can cause problems to set in.
With our home insurance, you are protected against damage to your possessions, both in the cases described above and if there are any leaks from the roof, regardless of the volume of water involved.
Even if you try to have security measures in your second home to prevent burglaries, they aren't always effective. With our burglary, robbery, and theft coverage you can rest assured that your goods are protected.
Our insurance covers burglary or theft of goods such as furniture, cash (whether in our out of a safe) and other possessions you may have in your second home.
Many of the features of your second home are prone to breakages. This coverage guarantees the repair or replacement of mirrors, windows, or marble, when they are part of the furniture or household appliances.
Glass in doors is also covered, as well as windows and patio doors, ceramic or induction hob plates, and fixed sanitary ware such as sinks, baths, and toilets.
With your Hogar Plus, you have the very best legal protection provided by our professionals in the event of any unexpected events that could cause legal issues. Our insurance also includes civil liability protection for damages or events arising from the ownership of your home.
With our DIY service, we offer you professional assistance for your home, so you can enjoy your free time and forget about some of the work relating to the installation of lights and sockets, bathroom fittings, paintings or curtains, the assembly of flat-packed furniture, cleaning spaces and silicone sealing in bathrooms, to name just a few areas.
In addition, your insurance offers a number of services that may not be so well known, but that add great value to your home protection, such as the repair of household appliances and a specialised phone service for legal, IT and medical queries.
The price of your home insurance is determined by the cover and services chosen, as well as by the type of property and the capital to be insured.
The type of property, whether it is a flat or a house in the country or in the city, as well as its size in square metres, will determine the price of your home insurance.
The capital is established taking into account the cost of rebuilding your home as well as replacing all your furniture, goods and personal belonging.
Valuables and jewellery of a unit amount over €5,000 should be expressly declared in the policy.
Because there are things you can't foresee, but you can protect yourself against them; your home insurance offers you solutions for a range of unexpected events. Broken windows or pipes, burglaries, or fires caused by minor accidents, are just some examples.
In addition, it is the most reliable, practical, affordable, and simple way of quickly resolving any household incident.
The premises are all the elements incorporated into the property that cannot be altered, moved or located in another place without damaging them.
This includes the physical structure of the house, walls, ceilings/roofs and floors, as well as garages, parking spaces, storage rooms, installed utilities, toilets, solar panels, or leisure facilities such as swimming pools or sports grounds.
The content refers to all the items that are inside the property in order to make it habitable, such as furniture, furnishings and personal belongings, which are not part of the building elements.
On the one hand, you need to insure the premises for the cost of rebuilding your property, including parking spaces/garages and storage rooms, and excluding the value of the land, since this is not lost. The total square metres of floor space is used as a reference in making this calculation.
In terms of the value of contents, we recommend you make an inventory of all your goods and belongings, and consider that any jewellery and high-value objects may need to be insured individually.
Thanks to this coverage, your home insurance protects both you and your family against any damages caused to a third party, whether at home or out.
For example, if a broken pipe in your home has an impact on your neighbour's, we would be faced with a case of civil liability. The same would apply if a plant pot fell and damaged a parked vehicle in the street.
If the policy is for a rented property, it protects you from damages caused to third parties, including the tenant, arising from the ownership of the property. For example, if a fault in the rented property's electrical installations causes a fire that damages the tenant's belongings and possessions, as well as the neighbour's home, we would be faced with a case in which the civil liability guarantee would protect you from the economic consequences of such a claim.
The aim of this guarantee is to ensure any damage caused by an accident and the subsequent repair does not alter the aesthetics of your property in any way.
For example, you have some repairs carried out on your pipes and some tiles end up broken - and you can't find a match for the originals. With this cover, we ensure that the aesthetics of the room in question are maintained, replacing all the tiling with new similar tiles.
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Seguros Catalana Occidente, Plus Ultra Seguros, Seguros Bilbao and NorteHispana Seguros are joining forces to make your life easier. To be more streamlined. To always be by your side.
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