Insurance

Mi Hogar Senior Insurance

Protect your home with insurance that adapts to your needs.

Three cover options for your home.
Accident cover included.
24-hour home assistance service¹ included.

Home insurance specifically designed for customers between 65 and 82 years of age

Make your home a safer place with Mi Hogar Senior insurance. Insurance that now includes accidence cover for the insured and their spouse.

Accident Covers

Injuries due to an accident: compensation with capital assigned to each diagnosis as per a scale (six types of injuries).
Home assistance: 50 hours/year (help, cleaning, shopping and errands, food preparation, etc.).
Professional sessions: 10 sessions/45 minutes per session (recovery, nursing, chiropody, etc.).

This accident cover is included in all three Mi Hogar Senior insurance options:

Mi Hogar Senior Esencial

To protect what is most important in your home. If you own or rent a property, you can enjoy the main cover options for damages to your home such as fire, water damage, glass breakages, theft and third-party civil liability claims due to damages to a third party¹, also including 24-hour home assistance¹.

Mi Hogar Senior Ampliado

A plus for your peace of mind. If you wish to enhance your convenience and peace of mind, this insurance option includes all types of cover offered by Mi Hogar Santander Esencial as well as additional cover such as aesthetic damage to contents, vehicles or ships in the garage, home DIY, IT support, vandalism, theft outside the home and electrical damages.

Mi Hogar Senior Integral

For the best cover. Our most comprehensive option for the most demanding people. Designed to protect, maintain and prevent damages to your home – it includes additional cover such accidental damage, aesthetic damage to the building and its contents, maintenance service and repair service¹.

Without forgetting the peace of mind derived from the Mi Hogar Senior cover¹, as offered in all insurance options:

A one-year guarantee for all repairs carried out by the company.
Guaranteed 100% cover of damage with the Capital Commitment².

But there is more: when you take out Mi Hogar Santander Ampliado and Mi Hogar Santander Integral, you benefit from our commitment to quality (3/24/48/72)³:

Response within 3 hours of your call in case of emergency. Damages are assessed within 24 hours; repairs are planned before 48 hours; and repairs begin within 72 hours.
The insurer will refund an equivalent sum to the annual insurance premium if we do not adhere to these timeframes⁴.

Mi Hogar Senior cover

You can choose the insurance option best suited to the protection you are seeking for your home.

Cover	Basic	Extended	Comprehensive
Fire, explosion and lightning strikes	✓	✓	✓
Atmospheric phenomena	✓	✓	✓
Water damage	✓	-	✓
Water: Finding damaged water pipes	✓	-	✓
Water: Finding undamaged water pipes	-	-	✓
Water: Unblocking pipes	-	-	✓
Electrical damage	-	✓	✓
Windows, mirrors and sanitary ware breakages	✓	✓	✓
Glass-ceramic stoves and counters breakages	-	✓	✓
Theft and robbery inside the home	✓	✓	✓
Theft and robbery outside the home	-	✓	✓
Acts of vandalism during theft	-	✓	✓
Loss of use of the home	✓	✓	✓
Legal protection: Civil liability	✓	✓	✓
Legal protection: Legal defence	✓	✓	✓
Aesthetic damages	-	✓	✓
Vehicles and boats kept in a garage	-	✓	✓
Services and assistance: DIY	-	✓	✓
Services and assistance: Computer assistance	-	✓	✓
Services and assistance: Maintenance service	-	✓	✓
Services and assistance: Repair service	-	✓	✓
Services and assistance: Second home cleaning service	-	✓	✓
Accidental damage	-	-	✓
Accident injuries	✓	✓	✓
Home help after accident	✓	✓	✓
Sessions with professionals after accident	✓	✓	✓

Home DIY²: includes home DIY services at the insured person's home, such as hanging a picture or curtains, installing a faucet or lamp, hanging a mirror or installing bathroom accessories, etc.
IT assistance²: services that help you resolve incidents in home computers and other devices, backups and recovery of the information stored in them.
Maintenance service²: includes a series of complementary guarantees with added value associated with home maintenance (pest control in the home and garden, preventative treatment of leaks and blind repairs).
Repair services²: includes a series of complementary guarantees with added value associated with home repairs (repair of household appliances, mobile phones, tablets and air conditioning units, tech handyman).
Second home cleaning service²: includes a 3-hour cleaning service per year, so that you only have to worry about enjoying your spare time.

FAQs

Property refers to all the constructive and structural elements of a home, whether these are walls, ceilings, floors, or installations such as heating, water or electricity, etc.

To know exactly what the property is, we should bear in mind that this refers to all those materials that are part of the construction of a home, thus, we can distinguish between:

The main construction and its fixed installations for water, gas, electricity, telephone, solar energy, heating (boilers, heaters and radiators) and refrigeration, alarm systems and home automation facilities.
All the elements that form the structural part of the house: walls, roofs, floors, paving, plugs, etc.
Fixed decorative elements adhered to floors, ceilings and/or walls such as paint, wallpaper, fabrics, carpets or parquet.

Whereas the content will consist of the insured amounts declared as furniture, objects of special value and jewellery kept outside and inside a safe.

Yes, Mi Hogar Senior insurance is intended for Banco Santander customers only.

Within 24 hours of you contacting the Assistance service, a professional will come to your home to assess the damage. In the case of urgent incidents, a professional will come to your home within 3 hours of your call⁴.

All the built area of the house, the garage and storerooms should be insured.
The Insurance Company will help you in obtaining this, using the address, directly from the Catastro (Land Registry). If this does not exist or it is impossible to obtain it, you will have to provide it, including all those areas that may form part of the Buildings, including the house, garage and storerooms. When doing this, bear in mind that the insurance does not cover the usable square metres (i.e. the "walkable" area of the house, including the wardrobes) but rather the constructed square metres (usable area plus "non-walkable" areas, partitions, walls, pillars, etc.).

Contact the Customer Service Department on 902 24 48 72. Report the incident in your home and they will send the people you need.

Yes. Accident cover is included in all Mi Hogar Senior insurance options (Esencial, Ampliado and Integral) and has been especially designed to offer assistance to the insured after an accident included in the policy, thus helping in their recovery.

"Insured" in the accident cover means the policyholder and their spouse or registered common-law partner, provided they are between 65 and 85 years of age.

Only for those indicated in the scale of injuries, in case of suffering any injury other than these will not be covered. The scale corresponds to the list of diagnoses that are covered in the Policy and is compensated for them.

Insurance policy underwritten by Santander Mediación Operador de Banca-Seguros Vinculado S.A., N.I.F. A28360311, through the Banco Santander, S.A. distribution network. Operator entered in the register of the Directorate General of Insurance and Pension Funds with number OV-0042. Third-party liability and financial capacity covered in accordance with applicable law. Insurance company: Santander Generales Seguros y Reaseguros, S.A. See the insurance companies with which the operator has an agency agreement in place for the distribution of insurance products at www.santandermediacionobsv.com.

1. Subject to the contractual terms and conditions of the insurance policy.