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Insurance that offers you protection and peace of mind

My Home Santander Insurance offers you a wide range of cover2 whichever of the three policy options that you choose, making your home a safe place for you and your family, whether you are the owner or a tenant.

Features of My Home Santander Insurance

  • Various options to choose from, so that you can find the best one for you.
  • 24-hour home assistance service2.
  • A one-year guarantee for all repairs carried out by the company.
  • Guaranteed 100% cover of the damage3.
  • Response within three hours of your call in case of emergency. Damage is assessed within 24 hours, repair is planned within 48 hours and repair begins within 72 hours4.
  • The insurer will refund an equivalent sum to the annual insurance premium if these timeframes are not met5.


Find out more about the three policy options

      MY HOME INSURANCE - ESSENTIAL

  • Protect yourself against the most common issues that you could face at home, such as fire, water damage, glass breakage, theft and third-party liability claims due to damages suffered by a third party2.
  • Enjoy a 24-hour home assistance service2.

               MY HOME SANTANDER INSURANCE - EXTENDED

  • Enjoy all of the cover provided in the My Home Insurance - Essential policy and get more comfort and peace of mind at home.
  • Enjoy additional cover, such as aesthetic damage to the property, vehicle or boats in the garage, home DIY, IT support and cybersecurity, acts of vandalism, theft outside the home and electrical damage.

     MY HOME INSURANCE - FULL

  • Take advantage of the most comprehensive policy option, designed to protect, maintain and prevent potential accidental damage to your home.
  • Includes additional cover such as accidental damage, aesthetic damage to the property and contents, maintenance service and repair service2.             

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

 

WE WILL CALL YOU

 

If you have any questions or want to know more, call us at

910 503 500

What will I be protected against?

You can choose the type of insurance that best suits the protection you want for your home.

Cover

Basic

Extended

Comprehensive

Fire, explosion and lightning strikes


Atmospheric phenomena



Water
Water damage
Finding damaged water pipes
Finding undamaged water pipes
Unblocking pipes




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Electrical damage
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Breakages
Windows, mirrors and sanitary ware
Glass-ceramic stoves and counters



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Theft
Theft and robbery inside the home
Theft and robbery outside the home
Vandalism



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Loss of use of the home



Legal protection
Civil liability
Legal defence









Aesthetic damages
-

Vehicles and boats kept in a garage
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Services and assistance
DIY
Computer assistance
Maintenance service
Repair service
Second home cleaning service


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Accidental damage

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With very extensive services for the maintenance of your home in the Extended and Comprehensive types:

  • Home DIY2: offers a range of services for carrying out DIY work in the insured property, such as hanging a picture or some curtains, installing a tap or a light, fitting a mirror or bathroom accessories, etc..
  • IT support2: offers support services to resolve any incidents occurring while using a home computer and other devices and media, as well as support with back-up copies and recovering data contained on these devices and media.
  • Maintenance service2: offers a range of additional and valuable cover aimed at maintaining your home (pest control in the home and in the garden, preventative treatment for leaks, and blinds repair).
  • Repair service2: offers a range of additional and valuable cover aimed at repairing your home (repairs to white goods, mobile phones, tablets and air conditioning units, and technological handymen).
  • Second home cleaning service2: a free 3-hour cleaning service per year, so all that you need to worry about is enjoying your free time.

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

 

WE WILL CALL YOU

 

If you have any questions or want to know more, call us at

910 503 500

FAQs

What is the property and the content of home insurance? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

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.

Is it necessary to be a Banco Santander customer in order to take out a home insurance policy? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Yes, the Mi Hogar ("My Home") Santander insurance is exclusively for Banco Santander customers.

I have caused damage to my neighbour and I do not want to cause any more inconvenience Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

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 call.

What is the difference between burglary, robbery and theft? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

  • Burglary is the misappropriation through acts that imply force or violence in things.
  • Robbery is the misappropriation through acts that imply force or intimidation in people.
  • Theft is misappropriation through acts that do not imply force or intimidation on things or people.

In the event of a claim, it is necessary to file a report with the police detailing the stolen objects and their value.

Can I be insured if I am only a tenant? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Certainly, it is possible to take out a household policy as a tenant.

With the aim of providing cover for small claims that affect the building without having to resort to the owner, we offer insured tenants who only take out Contents cover, a First Risk Building cover of up to €3,0002.

What area of the property should I include in the policy to be correctly insured? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

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.).

What should I do in the event of a claim? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

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

Find out more

Calculate your insurance yourself if you are a customer or leave us your details and we will contact you.

INSURANCE CALCULATOR

 

WE WILL CALL YOU

 

If you have any questions or want to know more, call us at

910 503 500

FAQs

    What is the property and the content of home insurance? Is it necessary to be a Banco Santander customer in order to take out a home insurance policy?

Do you know what the risks of not having home insurance are?

Protect yourself against potential risks

According to a study carried out by UNESPA, in Spain, the average cost of fire-related damage in an insured home is €2,700. Protect your home against potential risks by taking out My Home Santander Insurance.

Examples of risk situations when you do not have home insurance

Leaks, glass breakage and electrical damage are some of the most common risk situations at home. Did you know that, according to a study carried out by UNESPA, there are four million accidents a year caused by these issues? Prevention is better than cure! But if you do need to fix something, we are right by your side.

And if you have pets...

Do not forget that, if you have pets, when you take out My Home Santander Insurance with Santander Generales you will get third-party liability coverage2 for pets, including dogs6, if you have contents insurance. This only needs to be in the name of one of the policyholders7 named in policy.

My Home Santander Insurance

Icon / check Created with Sketch. Choose from three options.

Icon / check Created with Sketch. Take your policy out online in just a few steps.

Icon / check Created with Sketch. Valid for owners and tenants.

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