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HOMIN home insurance
Complete protection for your home

HOMIN home insurance
Complete protection for your home


Guaranteed protection Home insurance that protects your property and belongings, offering a variety of innovative assistance services.

Senior assistance We help fill out your tax return, deliver groceries to your door, and provide transportation for medical appointments.
Home services by the technician are limited to 10 hours per year. Grocery deliveries are available once a month, and transportation for medical appointments is offered up to twice a year, with a maximum distance of 50 km from your residence.
Electrical assistance If you experience issues with your home's electrical system, we’ll arrange repairs and cover the costs, including the technician's travel and labor.
The coverage for electrical system repairs, including labor and parts, is limited to €250 per claim, with a maximum of 2 claims per year. A €20 copayment applies per claim.
All the benefits
What’s included?

IT assistance Having issues with your computer, tablet, or smartphone? We offer phone support and can send a technician to your home to help.
The phone support line assists with installation, configuration, and software downloads, limited to 5 requests per year. Home technician visits are capped at 2 requests per year. Equipment repairs are covered up to €200 per claim, with a maximum of 2 claims annually and a €25 deductible per claim.
Flexible insurance For homeowners, tenants, or landlords.
Domestic emergency We provide services for issues with your water heater or boiler, interior pipes, ducts, or leaking faucets.
The coverage for repairing external fixed plumbing elements, plumbing systems, and water heaters/boilers is limited to €200 per claim, with a maximum of 3 claims per year. A €20 copayment applies per claim.
All the benefits
What’s included?
Guaranteed protection Home insurance that protects your property and belongings, offering a variety of innovative assistance services.

Senior assistance We help fill out your tax return, deliver groceries to your door, and provide transportation for medical appointments.
Home services by the technician are limited to 10 hours per year. Grocery deliveries are available once a month, and transportation for medical appointments is offered up to twice a year, with a maximum distance of 50 km from your residence.
Electrical assistance If you experience issues with your home's electrical system, we’ll arrange repairs and cover the costs, including the technician's travel and labor.
The coverage for electrical system repairs, including labor and parts, is limited to €250 per claim, with a maximum of 2 claims per year. A €20 copayment applies per claim.

IT assistance Having issues with your computer, tablet, or smartphone? We offer phone support and can send a technician to your home to help.
The phone support line assists with installation, configuration, and software downloads, limited to 5 requests per year. Home technician visits are capped at 2 requests per year. Equipment repairs are covered up to €200 per claim, with a maximum of 2 claims annually and a €25 deductible per claim.
Flexible insurance For homeowners, tenants, or landlords.
Domestic emergency We provide services for issues with your water heater or boiler, interior pipes, ducts, or leaking faucets.
The coverage for repairing external fixed plumbing elements, plumbing systems, and water heaters/boilers is limited to €200 per claim, with a maximum of 3 claims per year. A €20 copayment applies per claim.
All the benefits
What’s included?
Guaranteed protection Home insurance that protects your property and belongings, offering a variety of innovative assistance services.

Senior assistance We help fill out your tax return, deliver groceries to your door, and provide transportation for medical appointments.
Home services by the technician are limited to 10 hours per year. Grocery deliveries are available once a month, and transportation for medical appointments is offered up to twice a year, with a maximum distance of 50 km from your residence.
Electrical assistance If you experience issues with your home's electrical system, we’ll arrange repairs and cover the costs, including the technician's travel and labor.
The coverage for electrical system repairs, including labor and parts, is limited to €250 per claim, with a maximum of 2 claims per year. A €20 copayment applies per claim.

IT assistance Having issues with your computer, tablet, or smartphone? We offer phone support and can send a technician to your home to help.
The phone support line assists with installation, configuration, and software downloads, limited to 5 requests per year. Home technician visits are capped at 2 requests per year. Equipment repairs are covered up to €200 per claim, with a maximum of 2 claims annually and a €25 deductible per claim.
Flexible insurance For homeowners, tenants, or landlords.
Domestic emergency We provide services for issues with your water heater or boiler, interior pipes, ducts, or leaking faucets.
The coverage for repairing external fixed plumbing elements, plumbing systems, and water heaters/boilers is limited to €200 per claim, with a maximum of 3 claims per year. A €20 copayment applies per claim.
HOMIN options
Choose your level of protection…






Coverage
Coverage and amounts
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
(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
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.