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HOMIN home insurance

Complete protection for your home

Choose from 3 protection packages, with optional coverage for seismic events
Choose from 3 protection packages, with optional coverage for seismic events
miniature house with an umbrella protecting it

HOMIN home insurance

Complete protection for your home

Choose from 3 protection packages, with optional coverage for seismic events
Choose from 3 protection packages, with optional coverage for seismic events
miniature house with an umbrella protecting it
miniature house with an umbrella protecting it
Two ladies with a supermarket cart

All the benefits

What’s included?

man with tools, trying to repair a computer

All the benefits

What’s included?

Two ladies with a supermarket cart
man with tools, trying to repair a computer

All the benefits

What’s included?

Two ladies with a supermarket cart
man with tools, trying to repair a computer

HOMIN options

Choose your level of protection…

woman sitting in a rocking chair by the living room window, reading a book
HOMIN basic With a €150 deductible, protect your home with fire and water damage coverage, and optionally include earthquake coverage, among others
HOMIN regular Choose from three deductibles, with coverage for theft or burglary included
hands holding a miniature house
couple hugging in front of their new house
HOMIN premium The perfect solution for high-value homes or properties, offering coverage for pool liability, as well as damage to walls and gardens
woman sitting in a rocking chair by the living room window, reading a book
HOMIN basic With a €150 deductible, protect your home with fire and water damage coverage, and optionally include earthquake coverage, among others
hands holding a miniature house
HOMIN regular Choose from three deductibles, with coverage for theft or burglary included
couple hugging in front of their new house
HOMIN premium The perfect solution for high-value homes or properties, offering coverage for pool liability, as well as damage to walls and gardens

Coverage

Coverage and amounts

Base

Regular

Premium

Insured capital property;
Contents without deductible


Insured capital property;
Contents without deductible


Insured capital property;
Contents without deductible


Insured capital property;
Contents deductible €150


Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible


(Optional)
Insured capital property;
Contents deductible €150


Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible


Insured capital property;
Contents deductible €150


Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible


2.5% of the capital, max. €2,500 for property;
Contents without deductible


2.5% of the capital, max. €2,500 for property;
Contents without deductible


2.5% of the capital, max. €5,000 for property;
Contents without deductible


Insured capital property;
Contents deductible €150


Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible



Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible



Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible



Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible



Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible



Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible



2% of the insured capital, max. €500 for property;
Contents without deductible


2% of the insured capital, max. €1,000 for property;
Contents without deductible



1% of the insured capital, max. €1,000 for property;
Contents without deductible


1% of the insured capital, max. €1,000 for property;
Contents without deductible



1% of the insured capital, max. €10,000 for property;
Contents without deductible


1% of the insured capital, max. €10,000 for property;
Contents without deductible



10% of the insured capital value property;
Contents without deductible


10% of the insured capital value property;
Contents without deductible



5% of the capital, max. €750/month;
Contents without deductible


5% of the capital, max. €750/month;
Contents without deductible



5% of the capital, up to €750/month;
Contents without deductible


5% of the capital, up to €750/month;
Contents without deductible



5% of the capital, max. €750/month;
Contents without deductible


5% of the capital, max. €750/month;
Contents without deductible


€100,000 for property;
Contents without deductible


€150,000 for property;
Contents without deductible


€250,000 for property;
Contents without deductible


€100,000 applicable as a tenant;
Contents without deductible


€150,000 applicable as a tenant;
Contents without deductible


€250,000 applicable as a tenant;
Contents without deductible



Costs: €2,500;
Fees: €1,500 for property;
Contents without deductible


Costs: €2,500;
Fees: €1,500 for property;
Contents without deductible



Costs: €2,500;
Fees: €1,500;
Applicable as a tenant;
Contents without deductible


Costs: €2,500;
Fees: €1,500;
Applicable as a tenant;
Contents without deductible



25% of the contents capital, max. €7,500;
Contents without deductible


25% of the contents capital, max. €7,500;
Contents without deductible



2.5% of the contents capital, max. €1,250;
Contents without deductible


2.5% of the contents capital, max. €1,250;
Contents without deductible



5% of the contents capital, max. €1,250;
Contents without deductible


5% of the contents capital, max. €1,250;
Contents without deductible



View General Conditions
Contents without deductible


View General Conditions
Contents without deductible



Maximum of €2,500;
Property without deductible


Maximum of €5,000;
Property without deductible



Insured capital property;
Contents selected deductible


Insured capital property;
Contents selected deductible



Maximum of €7,500;
Applicable as a tenant;
Contents without deductible


Maximum of €7,500;
Applicable as a tenant;
Contents without deductible




€1,000 / 2 claims per year;
Contents €200



View General Conditions
Applicable as a tenant - Contents


See General Conditions
Contents

(Optional)
Insured capital property;
Contents 5% deductible


(Optional)
Insured capital property;
Contents 5% deductible


Insured capital property;
Contents 5% deductible


(Optional)
Equity capital: property;
Contents 10%, min. €150.00


(Optional)
Equity capital: property;
Contents 10%, min. €150.00


Equity capital: property;
Contents 10%, min. €150.00




(Optional)
Insured capital property;
No deductible



The declared amount for this coverage, max. €7,500;
Applicable in the capacity of landlord - Property;
No deductible


The declared amount for this coverage, max. €7,500;
Applicable in the capacity of landlord - Property;
No deductible



(Optional)
Own capital;
Contents selected deductible


(Optional)
Own capital;
Contents selected deductible


(Optional)
View General Conditions
Contents


(Optional)
View General Conditions
Contents


View General Conditions
Contents




(Optional)
€250,000
Property
No deductible


(Optional)
Up to 10% of the property value;
Selected deductible


(Optional)
Up to 10% of the property value;
Selected deductible


(Optional)
Up to 10% of the property value;
Selected deductible



(Optional)
View General Conditions
Contents


View General Conditions
Contents



(Optional)
View General Conditions
Property


View General Conditions
Property



(Optional)
View General Conditions
Property or contents


(Optional)
View General Conditions
Property or contents


The HOMIN insurance premium varies depending on whether you are a property owner, landlord, or tenant. It will also vary based on the quality of your home's construction, the selected package and deductible, and the value of your contents.

Coverage for Seismic Events

1 - SCOPE
a) It guarantees, within the limits stated in the Particular Conditions, damages caused to insured property as a direct result of earthquakes, volcanic eruptions, tsunamis, underground fire, and fire resulting from these phenomena.
b) Events occurring within 72 hours following the verification of the first damage to the insured objects will be considered a single claim.

2 - EXCLUSIONS
The following are excluded from this coverage:

a) Damages already existing at the date of the claim;
b) Damages to buildings recognized as fragile, such as those made of wood or plastic panels, as well as those in which resilient construction materials do not make at least 50% of the structure, and all objects within the buildings as mentioned above;
c) Buildings that are totally or partially vacant and intended for demolition;
d) Losses or damages to insured property if, at the event, the building was already damaged, defective, collapsed, or displaced from its foundations, affecting its overall stability and safety.

3 - DEDUCTIBLE
The deductible specified in the Particular Conditions will always be subtracted from the compensation the insurer is required to pay for each claim.

How to get it

It’s quick and easy

How to get it

It’s quick and easy

Login
Log in to the app
Log in to the app
to get a quote. Make sure you have the property registration certificate on hand.
to get a quote. Make sure you have the property registration certificate on hand.
Decisoes Respon
Choose if you want the content
Choose if you want the content
to be included in the insurance.
to be included in the insurance.
CC Ciclo
Choose the payment frequency
Choose the payment frequency
Confirmar Notificacao e confirmar app
Choose the day and the account to debit
Choose the day and the account to debit
Envelope
And that's it!
And that's it!
We will send you all the documents by email.
We will send you all the documents by email.
CP Simulador
Start by getting a quote
Start by getting a quote
Make sure you have the property registration certificate on hand.
Make sure you have the property registration certificate on hand.
Decisoes Respon
Choose if you want the content
Choose if you want the content
to be included in the insurance.
to be included in the insurance.
Categories
Choose the insurance option
Choose the insurance option
Basic, Regular, or Premium.
Basic, Regular, or Premium.
CH Doc Envio
Choose the day and the account to debit
Choose the day and the account to debit
Envelope
And that's it!
And that's it!
We will send you all the documents by email.
We will send you all the documents by email.

Frequently asked questions

Questions? We’ll help

Insuring your contents protects your belongings from risks like theft, burglary, flooding, fires, and other unforeseen incidents.

Insuring your contents protects your belongings from risks like theft, burglary, flooding, fires, and other unforeseen incidents.

The contents of a home refer to all the belongings inside, divided into standard contents and special items.

Standard contents include items owned by the policyholder, such as furniture, appliances (both built-in and non-built-in), dishes, crockery, clothes, decorations, and electronic devices.

Special items refer to high-value goods like jewelry, precious materials, antiques, artwork, coin collections, or other items valued over €1,000.

If the policyholder doesn't specify special items, their total value in the event of a claim is limited to 20% of the total contents value, up to a maximum of €7,500, with a limit of €1,000 per item.

The contents of a home refer to all the belongings inside, divided into standard contents and special items.

Standard contents include items owned by the policyholder, such as furniture, appliances (both built-in and non-built-in), dishes, crockery, clothes, decorations, and electronic devices.

Special items refer to high-value goods like jewelry, precious materials, antiques, artwork, coin collections, or other items valued over €1,000.

If the policyholder doesn't specify special items, their total value in the event of a claim is limited to 20% of the total contents value, up to a maximum of €7,500, with a limit of €1,000 per item.

The insured amount should reflect the market value of the building's reconstruction cost, considering factors such as the type of construction and any other elements that may influence the value. For the contents, the insured amount should correspond to the total value of each item as if it were new.

The insured amount should reflect the market value of the building's reconstruction cost, considering factors such as the type of construction and any other elements that may influence the value. For the contents, the insured amount should correspond to the total value of each item as if it were new.

Special items are valuables that require extra attention due to their characteristics, such as gold, jewelry, furs, collectibles, video cameras, artwork, antiques, or other items valued over €1,000.

These items must be listed and specified in the insurance proposal or provided through a separate list.

Special items are valuables that require extra attention due to their characteristics, such as gold, jewelry, furs, collectibles, video cameras, artwork, antiques, or other items valued over €1,000.

These items must be listed and specified in the insurance proposal or provided through a separate list.

Yes, depending on the coverage, you can choose from different deductible options.

Yes, depending on the coverage, you can choose from different deductible options.

Frequently asked questions

Questions? We’ll help

Insuring your contents protects your belongings from risks like theft, burglary, flooding, fires, and other unforeseen incidents.

Insuring your contents protects your belongings from risks like theft, burglary, flooding, fires, and other unforeseen incidents.

The contents of a home refer to all the belongings inside, divided into standard contents and special items.

Standard contents include items owned by the policyholder, such as furniture, appliances (both built-in and non-built-in), dishes, crockery, clothes, decorations, and electronic devices.

Special items refer to high-value goods like jewelry, precious materials, antiques, artwork, coin collections, or other items valued over €1,000.

If the policyholder doesn't specify special items, their total value in the event of a claim is limited to 20% of the total contents value, up to a maximum of €7,500, with a limit of €1,000 per item.

The contents of a home refer to all the belongings inside, divided into standard contents and special items.

Standard contents include items owned by the policyholder, such as furniture, appliances (both built-in and non-built-in), dishes, crockery, clothes, decorations, and electronic devices.

Special items refer to high-value goods like jewelry, precious materials, antiques, artwork, coin collections, or other items valued over €1,000.

If the policyholder doesn't specify special items, their total value in the event of a claim is limited to 20% of the total contents value, up to a maximum of €7,500, with a limit of €1,000 per item.

The insured amount should reflect the market value of the building's reconstruction cost, considering factors such as the type of construction and any other elements that may influence the value. For the contents, the insured amount should correspond to the total value of each item as if it were new.

The insured amount should reflect the market value of the building's reconstruction cost, considering factors such as the type of construction and any other elements that may influence the value. For the contents, the insured amount should correspond to the total value of each item as if it were new.

Special items are valuables that require extra attention due to their characteristics, such as gold, jewelry, furs, collectibles, video cameras, artwork, antiques, or other items valued over €1,000.

These items must be listed and specified in the insurance proposal or provided through a separate list.

Special items are valuables that require extra attention due to their characteristics, such as gold, jewelry, furs, collectibles, video cameras, artwork, antiques, or other items valued over €1,000.

These items must be listed and specified in the insurance proposal or provided through a separate list.

Yes, depending on the coverage, you can choose from different deductible options.

Yes, depending on the coverage, you can choose from different deductible options.

Subscribe insurance on the go with the app

Explore app
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Legal documents and other information

Doc O Grey Doc O

Insurance product information document

Download
Doc O Grey Doc O

General and Special Conditions

Download
Doc O Grey Doc O

Proposal form

Download
Doc O Grey Doc O

Claim reporting

Download
Doc O Grey Doc O

Framing of insured goods

Download
There are exclusions outlined in the policy.
Advertising. This information does not replace the need to consult the legally required pre-contractual and contractual details.

Need help?

We are here for you

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Here you can find the answer to all your questions
Here you can find the answer to all your questions
Localizador De Sucursal
Looking for a branch?
Find the nearest branch
Find the nearest branch
Contactos
Need to call us?
Call whenever you need to
Call whenever you need to