Choose your home insurance
Our house is one of the most important investments in our lives. Having home insurance is synonymous with peace of mind and a guarantee so any unforeseen events and accidents do not cause you any kind of problem. We offer various home insurance policies based on the characteristics of your home and its use.
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Advantages of Occident's home insurance
FAQs
The law doesn't require you to insure your home, unless you have a mortgage. In that case, you have to take out fire insurance for the value of rebuilding it.
Your home is one of your main assets, and it's exposed to multiple contingencies that can seriously affect it: a fire, a major water leak, theft... Home insurance is the best way to protect it against these potential incidents and avoid considerable financial damages that can significantly affect your family's situation.
Occident home insurance covers everything that is included in the home care service, annual DIY hours, urgent boiler repair, household appliance repair, and expenses arising from claims, for example damage due to a water leak.
If the property was purchased before 2013, the home insurance is deductible in the national tax return. For homes purchased later, it is not. This is because the declaration of this segment is made via deductibles for the purchase of a primary residence, which was omitted from the tax rules of Spain in 2013.
Contents covers everything that forms part of your home and that is not fixed to the structure of the home. This includes your belongings, what makes your home truly yours, and that is why we know that it is very important for you to protect them:
- Furniture and household appliances: from the living room sofa to the fridge or TV.
- Personal objects: clothes, kitchen utensils, books, toys, etc.
- Special valuable items: such as jewellery, works of art or collections, with the possibility of specific coverage.
More information on the contents of home insurance in our blog
Yes. Occident home insurance includes coverage against weather events that may affect your home or your property. Coverage designed to keep your home protected in adverse weather situations. Some of the covered damage includes:
- Leaks caused by rain, hail or snow.
- Accidental flooding.
- Clearing and removing sludge.
- Damage due to wind, rain, hail or snow.
In addition, with the insurance, there is a free weather alert service that will let you know if an orange or red alert is issued in the town where your home is located.
More tips to protect your home from the effects of extreme weather.
In addition to the basic coverage, at Occident we offer you greater protection for your home. This coverage includes:
- Preventive unblocking service: Occident is the first insurer to add this service in single-family homes. It is an annual cleaning of the drain pipes to avoid blockages.
- Protection against illegal occupation: specific coverage that responds to growing concerns expressed by owners, protecting the home against unauthorised occupation. It includes legal advice and measures to recover your home.
- Assistance in the home: with services such as urgent repair of boilers and household appliances, annual DIY hours or online computer assistance.
- Legal defence and claims for damages: so that you are supported against legal conflicts related to your home.