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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 July 29 to September 30, 2025. 20% discount on all modalities. The discount is for the life of the policy. Exclusive offer for contracts through the digital channel, web or app. Check the legal bases of the campaign here.

Insurance policy underwritten by Santander Mediación Operador de Banca-Seguros Vinculado, S.A. ("Santander Mediación"), through its distribution network Banco Santander S.A., by virtue of the agency agreement it has signed with the insurance company Santander Generales Seguros y Reaseguros, S.A. Santander Mediación is a company registered with the Directorate General of Insurance and Pension Funds under number OV-0042 and has taken out civil liability and capacity insurance according to current legislation. Consult the rest of the insurance companies with which Santander Mediación has an Agency Agreement for the distribution of insurance products at www.santandermediacionobsv.com.

1. Subject to contractual conditions of the insurance policy.

2. 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.

3. The illegal occupation guarantee will not provide coverage in those cases in which the illegal occupant had at some point the Insured's authorization to inhabit the property, or in those in which there has been a contract by virtue of which in the past, the occupation was justified. The loss of rent derived from the tenant's non-payment that appears in the lease is not considered illegal occupation, and therefore, is not covered.

4. Domestic dogs of insured persons are covered, except for those considered a potentially dangerous breed in accordance with current legislation.

HIRE

EXCESS OPTION OF €100²

Enjoy a good price without giving up coverage .

COVERED

in case of illegal occupation³

YOUR PET

will be protected with Civil Liability⁴

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Why take out Santander My Home Insurance?

Santander's Mi Hogar Insurance offers a wide range of coverage¹ that meets contemporary protection needs.

Among its coverages, in addition to the typical coverages such as water damage, fire or weather phenomena, it is worth highlighting the pet guarantee, included in civil liability or the guarantee against illegal occupation with which, in the event of illegal occupation of the home, the costs of supplies and damage to the home will be covered, as well as accommodation costs, loss of rents or loss of income caused to the owner of a rented dwelling in which there is an illegal occupation by persons other than the tenants³.

In addition, the Mi Hogar Santander Insurance offers the policy to be taken out with a deductible² of €100 with which you can have the highest level of protection without giving up coverage.

REQUEST A FREE QUOTE

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 types¹:

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?

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, Mi Hogar Santander insurance is insurance only for Banco Santander customers.

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 €3,000¹.

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?

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.).

What should I do in the event of a claim?

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.

What is franchising?

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.

Where can I add the franchise?

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).

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 coverage¹ including dogs⁴, if you have contents insurance. This only needs to be in the name of one of the policyholder named in policy.

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