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INSURANCE POLICIES

My Home Santander Insurance

Protect your home against unforeseen events. We are committed to managing claims efficiently and quickly.

* Promotion valid from April 1 to April 30, 2025. Discount depends on the modality: 25% discount for Mi Hogar Santander Esencial; 20% discount for Mi Hogar Santander Ampliado; and 15% discount for Mi Hogar Santander Integral. Discounts apply for the lifetime of the policy. Exclusive offer for contracts made through the digital channel, website, or app. Check the legal bases of the campaign here.

Insurance policy underwritten by Santander Mediación Operador de Banca-Seguros Vinculado S.A., tax number 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. Internal customer claims survey.
2. Subject to the contractual terms and conditions of the insurance policy.
3. Calculation of the proposed capital amounts for building and furnishings is based on information concerning the gross square metres of the home declared by the policyholder. In the event of a claim, if the policyholder has accepted the proposed capital amounts for building and/or furnishings supplied by Santander Generales on the basis of the home's square metres. Santander Generales undertakes to indemnify 100% of the damage caused, even if the damage exceeds the sum insured.
4. The timeframes indicated are subject to the contractual terms and conditions of the insurance policy.
5. The reimbursement of the premium in case of non-compliance with the insurance quality commitment, may be received only once in each annuity of your insurance, and will only precede in the case of repairable claims and in no case in claims that lack coverage or claims compensable, either due to the nature of the claim or by decision of the insured. Nor will it be applicable to certain guarantees, as set forth in the contractual documentation.
6. The domestic dogs of the insured are covered, except for those considered a potentially dangerous breed in accordance with current legislation.
7. The policyholder and the family members who live with him or her in the home are considered insured.

HIRE

MORE THAN 400,000

customers have placed their trust in Santander Generales.

MORE THAN 90%¹

of customers are satisfied with their home insurance.

MORE THAN 400,000

active policies.

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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.

REQUEST A FREE QUOTE

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 home².
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 damage².

MY HOME INSURANCE - FULL

Take advantage of the most comprehensive policy option, designed to protect, maintain and prevent potential accidental damage to your home².
Includes additional cover such as accidental damage, aesthetic damage to the property and contents, maintenance service and repair service².

* Promotion valid from April 1 to April 30, 2025. Discount depends on the modality: 25% discount for Mi Hogar Santander Esencial; 20% discount for Mi Hogar Santander Ampliado; and 15% discount for Mi Hogar Santander Integral. Discounts apply for the lifetime of the policy. Exclusive offer for contracts made through the digital channel, website, or app. Check the legal bases of the campaign here.

Insurance policy underwritten by Santander Mediación Operador de Banca-Seguros Vinculado S.A., tax number 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. Internal customer claims survey.
2. Subject to the contractual terms and conditions of the insurance policy.
3. Calculation of the proposed capital amounts for building and furnishings is based on information concerning the gross square metres of the home declared by the policyholder. In the event of a claim, if the policyholder has accepted the proposed capital amounts for building and/or furnishings supplied by Santander Generales on the basis of the home's square metres. Santander Generales undertakes to indemnify 100% of the damage caused, even if the damage exceeds the sum insured.
4. The timeframes indicated are subject to the contractual terms and conditions of the insurance policy.
5. The reimbursement of the premium in case of non-compliance with the insurance quality commitment, may be received only once in each annuity of your insurance, and will only precede in the case of repairable claims and in no case in claims that lack coverage or claims compensable, either due to the nature of the claim or by decision of the insured. Nor will it be applicable to certain guarantees, as set forth in the contractual documentation.
6. The domestic dogs of the insured are covered, except for those considered a potentially dangerous breed in accordance with current legislation.
7. The policyholder and the family members who live with him or her in the home are considered insured.

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.

Cover²	Basic	Extended
Fire, explosion and lightning strikes
Atmospheric phenomena
Water Water damage Finding damaged water pipes Finding undamaged water pipes Unblocking pipes	- -
Electrical damage	-
Breakages Windows, mirrors and sanitary ware Glass-ceramic stoves and counters	-
Theft Theft and robbery inside the home Theft and robbery outside the home Vandalism	- -
Loss of use of the home
Legal protection Civil liability Legal defence
Aesthetic damages	-
Vehicles and boats kept in a garage	-
Services and assistance DIY Computer assistance Maintenance service Repair service Second home cleaning service	- - - - -	- - -
Accidental damage	-	-

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.

* Promotion valid from April 1 to April 30, 2025. Discount depends on the modality: 25% discount for Mi Hogar Santander Esencial; 20% discount for Mi Hogar Santander Ampliado; and 15% discount for Mi Hogar Santander Integral. Discounts apply for the lifetime of the policy. Exclusive offer for contracts made through the digital channel, website, or app. Check the legal bases of the campaign here.

Insurance policy underwritten by Santander Mediación Operador de Banca-Seguros Vinculado S.A., tax number 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. Internal customer claims survey.
2. Subject to the contractual terms and conditions of the insurance policy.
3. Calculation of the proposed capital amounts for building and furnishings is based on information concerning the gross square metres of the home declared by the policyholder. In the event of a claim, if the policyholder has accepted the proposed capital amounts for building and/or furnishings supplied by Santander Generales on the basis of the home's square metres. Santander Generales undertakes to indemnify 100% of the damage caused, even if the damage exceeds the sum insured.
4. The timeframes indicated are subject to the contractual terms and conditions of the insurance policy.
5. The reimbursement of the premium in case of non-compliance with the insurance quality commitment, may be received only once in each annuity of your insurance, and will only precede in the case of repairable claims and in no case in claims that lack coverage or claims compensable, either due to the nature of the claim or by decision of the insured. Nor will it be applicable to certain guarantees, as set forth in the contractual documentation.
6. The domestic dogs of the insured are covered, except for those considered a potentially dangerous breed in accordance with current legislation.
7. The policyholder and the family members who live with him or her in the home are considered insured.

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?

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?

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

Can I be insured if I am only a tenant?

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.

I have caused damage to my neighbour and I do not want to cause any more inconvenience

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.

What is the difference between burglary, robbery and theft?

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.

What area of the property should I include in the policy to be correctly insured?

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?

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

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

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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.

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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.

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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.

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