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What does it offer me?
Protection for home owners
An insurance policy to protect the most important items in your home.
We present the new "Esencial" version of the Mi Hogar Santander insurance policy, a policy for owners, to help you protect what is most important in your home. Find out about the main items covered, and enjoy your cover.
What does the Mi Hogar Santander "Esencial" insurance policy for home owners cover?
BUILDING
- Up to 100% in the event of fires, explosions and atmospheric phenomena.
- Breakage of windows, mirrors and sanitation facilities.
- Loss of use of the dwelling (maximum EUR 2,000 per claim).
POSSESSIONS
- Robbery and damage caused by robbery inside the dwelling.
ADDITIONAL COVER
- Civil liability up to EUR 150,000 per claim per year, in Spain.
- Legal defence up to EUR 6,000.
And this includes the Mi Hogar Santander "Esencial" guarantee:
- A one-year guarantee for all repairs carried out by the company1.
- Guaranteed 100% cover of damage with the Capital Commitment2.
If you still haven't decided and want to know all the coverages of the rest of the modalities in the range, use our coverage comparator.
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 €3,0001.
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 call.
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 91 343 58 70. 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.
Frequent questions
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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?
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Steps to insure your home
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Remember that you can change the modality of your insurance without waiting for the expiration date.
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Other related products
Mi Hogar Santander "Ampliado" insurance policy
If you want more comfort and peace of mind, this version includes all guarantees with additional items covered.
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