Home insurance for your second home

Home insurance for your second home

Enjoy your second home

What does our insurance policy offer you?

Your second home is the perfect place for you to relax and enjoy yourself. Hogar Plus offers you the best coverage and services so you don't have to worry about the most common unforeseen events.

Benefits of this insurance

Giving you the peace of mind you need for your second home

We give you solutions that give you the option to adapt your level of protection to the needs of your home and your family.

With your second home in mind

All the coverage you need to protect your second home from any unforeseen events.

When you're not there

Our service offers you maximum protection and peace of mind, every day of the year, wherever you are, thanks to our professional network.

And for many other reasons

Don't let anything like a broken household appliance or an electrical fault stop you from enjoying your stay in your second home.

Home-insurance-second-home

Main coverage

Our insurance for second homes offers the highest level of protection against incidents such as fire or flooding. And whether it's water, fire, or damage due to electrics, our insurance offers you the best coverage you need for peace of mind.

FAQs

Because many things could happen that you may not foresee, but you can be protected against: home insurance protects you against many of these unforeseen 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 buildings are all the integrated components of your rented property that it would be impossible to convert, move, or put in another place without causing damage.

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 contents refer all goods found within the property to make it habitable, such as furniture, electrical appliances and other goods that are not part of the built components.

One the one hand, you need to insure the buildings: the cost of rebuilding your second home, including any garages or storage, and excluding the value of the land, as this could not be lost. To calculate that cost, you need to refer to the number of built square metres.


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 will protect you against any liability claims due to damages to a third party made against you as the owner of the property.

To give an example, if your pipes break in your house and it affects your neighbour, you would be facing a civil liability case. It would also be the case if a fire in your property damaged any adjacent properties.

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 second home 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. If you have this coverage we take care of maintaining the aesthetic of the area affected, and would replace all of the tiles for new ones with similar characteristics.

Why choose Plus Ultra Seguros?

The best professionals

Automatic reappraisal

Repair service

We adapt to your second home

To make setting up your insurance more simple, Hogar Plus gives you three options to choose from to give you the best fit for your property.

Categories

Straightforward insurance with all the essential coverage you need if you're looking for an affordable policy that protects you against the main issues you may face in your second home, without sacrificing high quality service.

Comparison chart Second home

Comparison chart Second home
CoverageHOGAR PLUS ESENCIALHOGAR PLUS ÓPTIMA
Fire, explosion, smoke and lightningIncluded Included
Weather damageIncluded Included
Different types of damage: vandalism, flooding, and collisions with vehicles or animalsNot Included Included
Water damageIncluded Included
Damage from electrical sourcesNot Included Included
Expenses arising from the incident: cosmetic damage, demolition and removal of debris, uninhabitability, or document reconstructionIncluded Included
Garden damageNot Included Optional
Food in the refrigeratorNot Included Not Included
BreakagesIncluded Included
Theft and robberyIncluded Included
Civil liabilityIncluded Included
Legal protectionNot Included Included
Assistance in the homeIncluded Included