Home Insurance
Rent out your property with total confidence
Renting out a property can be very profitable, but if you don't take the appropriate precautions, it can also turn into a problem. Hogar rental properties insurance offers you the most comprehensive services so that you can rent out your property without any surprises.
Hogar rental property insurance offers you all the essential coverage, giving you the peace of mind you need when renting out your property.
We include the non-payment of rent by problematic tenants, making renting your property risk-free. We also protect your property against any damage caused by the tenant.
You could end up in court due to an unforeseen issue with your tenant, which is why we offer the best legal protection against any issue or unforeseen event.
We have a number of specialist services to ensure renting out your property is a no-hassle, worry-fee experience.
We provide you an exclusive service in the event of non-payment of rent for your rented home. From the moment there is a sentence on the proceedings for the tenant's eviction, we will cover the amounts unpaid by the tenant, provided that four consecutive months have not been paid.
Hogar rental property insurance includes an exclusive protection service in the event of vandalism and malicious acts caused to your property by a tenant. This cover also includes damage to items belonging to you which you have in the house for use by tenants.
Legal protection for the landlord is essential for complaining of any problem arising from renting your property. Whether it is material damage or non-payment of rent, our legal protection offers you the solutions you would need in an any eventuality.
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. Hogar rental property insurance covers your home's electrical installations, and you are also covered against the breakdown of any electrical or electronic appliances damaged in such circumstances.
Although your rented property is ready for most atmospheric phenomena, when they occur with some intensity damage may appear.
With your home insurance you have protection from damage to your property, both in the cases described above and if there are infiltrations of water in roofs, regardless of the intensity.
Many of the features of your rented 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 doors and windows, ceramic or induction hob plates, and fixed sanitary ware such as sinks, baths, and toilets.
As the landlord, you have a legal obligation to maintain the property you rent out in optimal conditions for your tenant, and to compensate any damages caused to third parties. Although this does not mean you are required to have insurance for your rental property, it is highly recommended to have a good insurance policy to help you ensure that this maintenance is optimal, for example, in the event of situations such as a burst pipe or if a fire occurs.
Rental property insurance is designed to offer greater peace of mind concerning rental properties. To do this, home insurance policies often include specific cover to protect owners.
Cover for damage and vandalism protects us against damage to property, vandalism and theft of personal belongings. In this way, the insured party's property is protected by a maximum amount set by companies. In the event that damages are caused, an expert will be responsible for checking the state of the property in order to meet the corresponding compensation.
In the event that the damage caused stops the property from being rented out for a period of time, the company covers the loss of rent. This guarantee extends for the period of time that the property is unusable, but with a time or monetary limit set by the company.
Other cover offered that guarantees the protection of rental properties is protection against non-payment of rent, covering the non-payment of rent by the tenant in monthly payments.
Civil liability insurance covers the reparations and compensation that the insured party has to pay for damage to property or personal injury accidentally caused to third parties.
These damages can occur both inside and outside the property (a tile that falls and hits someone, raised flooring that makes someone trip over) and may be caused in the property itself or caused directly by the insured party or members of the family living in the property. For example, if your child breaks a neighbour's window, it will be you who is liable and who they will claim compensation from.
Beyond deterioration and damages caused to the contents or personal belonging, including short circuits and burst pipes, this policy can also cover damages caused by pets (provided said damages are not caused by a potentially dangerous dog), damages caused while playing sport as an amateur, food poisoning of a guest etc.
If the property is rented out, the landlord is only liable for damages caused by their personal belongings or the contents of their property, consequently, they are not civilly liable for damages caused to third parties by the tenant. Therefore, regardless of whether the homeowner also includes this cover in their policy, it is the tenant who must cover their own civil liability.
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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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