What does it offer me?

FAQs

A comfortable insurance policy to protect your home

We present the new "Ampliado" version of the Santander Mi Hogar insurance policy, for owners of a second home. We have the ideal solution for all those with a second home wishing to protect it with specific cover.

What does the Mi Hogar Santander "Ampliado" insurance policy for owners of a second home cover?

BUILDING

  • Up to 100% in the event of fires, explosions, atmospheric phenomena and electrical damage.
  • Aesthetic damage up to EUR 1,500/claim.
  • Damage caused by water or damaged or undamaged piping, including unblocking up to EUR 300 per part, and a maximum of one operation a year.
  • Loss of use of the house up to EUR 3,000 per claim + up to EUR 950 in expenses and laundering.

ASSETS

  • Breakage of windows, mirrors, sanitation facilities, vitroceramic hobs and counters.
  • Up to 100% of electrical damage to equipment.
  • Robbery and damage caused by robbery inside the dwelling, with locks changed.
  • Robbery and theft outside the house, up to EUR 200 per claim. Up to EUR 1,200 for armed robbery.
  • Damage to cars or boats in the garage up to EUR 15,000.

ADDITIONAL COVER

  • Legal protection: civil liability up to EUR 300,000 per claim per year in Spain, and legal defence up to EUR 6,000.
  • Services: 2 DIY services in the home and IT assistance.
  • Up to 100% cover for acts of vandalism.


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And this includes the Mi Hogar Santander "Ampliado" guarantee:

  • A one-year guarantee for all repairs carried out by the company1.
  • Guaranteed 100% cover of damage with the Capital Commitment2.
  • Quality commitment in an emergency3:
  • In an emergency, a professional will be sent out within 3 hours.
  • Assessment of damage within 24 hours.
  • Planning of repairs within 48 hours.
  • Start on repairs within 72 hours.

TAKE OUT THE POLICY



See other items covered here.

Find out more

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

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.

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

Contact the Customer Service Department on 91 343 58 70 . Report the incident in your home and they will send the people you need.

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 €3,0001.

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.

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.).

Find out more

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

Frequent questions

    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?

Remember that you can change the modality of your insurance without waiting for the expiration date.

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