My Home Santander Insurance

A building is all the construction and structural elements of a home, whether walls, ceilings, floors, or installations such as heating, water or electricity, among others.

To know exactly what the "building" is, we should take into account that it is all those materials that are part of the construction of a house, thus, we can distinguish between:

• The main building and its fixed installations of water, gas, electricity, telephone, solar energy, heating (boilers, heaters and radiators) and refrigeration, alarm systems and home automation installations.
• All the elements that make up the structural part of the house: walls, roofs, floors, pavements, sockets, etc.
• Fixed decorative elements attached to floors, ceilings and/or walls such as paints, papers, 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, the Mi Hogar ("My Home") Santander insurance is exclusively for Banco Santander customers.

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 €3,000¹.

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. The deadlines indicated correspond to the Quality Commitment included in the Extended and Comprehensive modalities of the Mi Hogar Santander insurance and subject to the contractual conditions of the insurance policy. 

• 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.

You must indicate the constructed area of the house, the garage and the storage room.
The Insurance Company will help you by obtaining information directly from the Cadastre through the address. If there were no or impossible to obtain the dimensions, you would have to provide the sum of all those areas that may be part of the Continent broken down between housing, garage and storage room. To do this, keep in mind that useful square metres (i.e. the "walkable" area of the home, including wardrobes) are not insured but built square metres (useful area plus "non-walkable" surfaces, partitions, pillars, etc.).

Contact the Assistance Service on 902 24 48 72. Report the incident that occurred in your home and they will be in charge of sending the staff you need¹.

The deductible is the amount that the Insured must pay when a claim occurs. In the event of taking out insurance with excess, the Insured must assume the first 100 euros of the cost of each claim. The deductible will not apply to the following guarantees: Civil Liability, Legal Defence, Illegal Occupation, Home Assistance (except in Urgent Locksmithing), Computer Assistance and Maintenance Service.

On the offer screen, there is the possibility of adding/removing the franchise, with any of the modalities to be selected, which will be available only on the digital channel (website or app).