Terms and Conditions of the promotion

See the terms and conditions of the promotion.: more information .

What does each home insurance option cover?

Esencial, Más, Más Seguridad and Cobertura Total Fire, explosion, smoke and total ruin. Water and other liquids damage. Damage due to atmospheric phenomena: heavy rain, strong wind, lightning, hail and excessive snow. Aesthetic restoration (if a loss aesthetically affects your insured property), debris removal, salvage and firemen's fee. Substitute residence: expenses, for a maximum of one year, for the rental of a dwelling due to a loss that renders your habitual residence uninhabitable. Loss of rent: amount, for a maximum of one year, of the rent that you do not receive from your rented property due to a loss that renders it uninhabitable. Theft damage to the building if you are robbed or attempted to be robbed. Replacement documents and computer files. Public liability for the property and domestic staff. Más, Más Seguridad and Cobertura Total: Breakages of windows, marble, sanitary ware, and glass-ceramic cooktops. Sound waves and impacts from outside caused by third parties. Electrical damage due to external short-circuit, overvoltage of the external network or lightning. Deterioration of food or medicines due to refrigerator breakdown or power failure. Más Seguridad and Cobertura Total: Robbery inside the insured property. Robbery outside the main residence. Fraudulent use of your cards due to theft, loss or fraud. Damage to your property if you are robbed or attempted to be robbed. Replacement of locks due to theft of keys. Acts of vandalism by third parties. Total Coverage: Fully Comprehensive Accident Insurance: accidental damage to your property inside your home, even for causes not included in the policy. Leaks in walls and façades due to heavy rain. Electrical damage due to internal short circuit. Lock replacement due to lost keys. Employee fraud: property stolen from the home by domestic staff. Temporary relocation of insured property: damage or theft of your property in a temporary dwelling other than your usual one, or during transportation. Additionally, extra services in all options (Esencial, Más, Más Seguridad and Cobertura Total) Home assistance: you have a network of professionals available for home repairs such as locksmiths, electricians and security personnel. Maintenance due to use and deterioration: you have professional help for certain maintenance work. DIY service (Handyman) to perform small jobs and repairs in your home. Pet and plant assistance: you have a phone number to ask us everything you need about dogs, cats and plants. Home and online computer assistance. Legal advice and protection for you and your family. Extra services only in Full Coverage Pest control. Preventive unblocking in single-family houses: one unblocking of water drainage pipes per year to prevent water damage. Express service: commitment to improve the time required to attend and respond to claims.

I have a home claim. What should I do?

Contact us by calling +34 91 836 20 90 available 24 hours a day, 365 days a year.

When can I take out a home insurance policy?

The insurance can be taken out at any time, up to 365 days (12 months) before your current insurance expires.

What conditions must I meet to take out a home insurance policy?

To take out home insurance, the property must be in Spain and meet certain requirements related to its age, construction materials, location and ownership. Both the amounts established for the building and the contents and the characteristics declared for the property must be accurate throughout the term of the policy. At the time of signing up, you must provide the complete address of the property or, if available, the land registry reference.

What do I have to do if I do not want to renew my home insurance?

You can ask for your insurance policy not to be renewed whenever you like, provided you do so at least one month before the annual renewal of your contract. This will prevent the policy from being renewed on the renewal date. Just put your decision in writing and send it together with a photocopy of your National ID Card (DNI), or equivalent document to BBVA Allianz Seguros, Calle Ramírez de Arellano, 35 28043 Madrid. You can also send it to any BBVA Group branch, or to the email address seguros@bbvaseguros.es.

Who is the insurance company?

Product underwritten by BBVA ALLIANZ SEGUROS Y REASEGUROS S.A.

Who is the intermediary?

BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. listed in the Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under code OV-0060. Has an approved public liability insurance policy.

BBVA Allianz Home Insurance

Insurance in case something goes wrong... and in case everything goes well

Your home insurance is for contingencies. But we also accompany you with services to make your day-to-day life easier.
You can pay for your insurance policies over 12 months with no additional cost, and save up to 15% by grouping your policies together with the BBVA Plan EstarSeguro.

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Save 10% for life on BBVA Allianz Home Insurance

If you purchase online until December 15, 2025.

Day-to-day, by your side

All of BBVA's home insurance products include:

Handyman service

Professional help for minor home improvements and repairs due to wear and tear.
Technological assistance

Online and in-home technical support for computers, tablets and smartphones.
Legal defense

Legal advice and protection for you and your family for labor defense, contracts, or supplies.
Pet and plant assistance.

Telephone inquiries related to pets and plants.

If the property is your property, you have 4 options

Don't worry about your choice, you can change the protection of your home whenever you want.

Essential

The most basic option.

Fire, damage due to water and atmospheric phenomena.

Public Liability.

Protection against common damage.

Fire, water damage and atmospheric phenomena.

Public Liability.

Breakages, electrical damage and frozen goods

Most contracted

More Security

A choice in the event of unforeseen events.

Fire, water damage and atmospheric phenomena.

Public Liability.

Breakages, electrical damage and refrigerated goods.

Theft, robbery, vandalism and fraudulent use of cards.

Total Coverage

Our highest protection.

Fire, water damage and atmospheric phenomena.

Public Liability.

Breakages, electrical damage and refrigerated goods.

Robbery, vandalism and fraudulent use of cards.

Comprehensive Accidental for unexpected events and lock change due to loss of keys.

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Check what they cover

Not sure? Your ideal home insurance, in 4 questions

You will discover an insurance policy that matches your answers, without any obligation.

Discover ideal insurance

How can your home insurance help you?

Public Liability

We guarantee compensation to third parties for damage caused by you or your home.

For example, if a leak in your home causes damp in the apartment below.

Electrical damage

If electrical faults in your home cause damage, we cover it depending on your level of coverage.

For example, if a power surge damages an appliance, we will compensate you.

Fire

We cover damage caused by fire, explosion and smoke, including in the event of total loss.

For example, in the event of a fire, we cover the damage and the costs of debris removal, rescue and fire brigade services.

Breakages

Some policies cover the breakage of glass, mirrors, marble, bathroom fittings and ceramic hobs.

For example, if the bathroom countertop is accidentally broken, we will replace it or compensate you.

Water damage

Damage caused by water or other liquids due to leaks, blockages or accidental breakage of pipes or similar.

For example, if there is an accidental leak due to a broken pipe, we will repair it and cover the damage.

Theft and vandalism

Depending on the level of coverage, we cover you against damage or loss caused by theft or vandalism in your home.

We also cover losses due to mugging outside the home and fraudulent use of your bank cards.

Atmospheric phenomena

We cover damage caused by adverse weather conditions such as rain, wind, hail, and snow.

For example, if a strong gust of wind damages a window.

Locksmith services

Depending on your insurance policy, we cover the cost of changing the lock if your keys are stolen or lost.

If you do not want to leave anything to chance, choose Full Cover

In addition to the protection offered by all our policy types, you will also benefit from:

Pest control treatment by a professional.
Preventive unblocking of water drainage pipes in single-family houses.
Express service to deal with your claims on a priority basis.
Exclusive coverage such as damage caused by internal short circuits, leaks due to heavy rain, and protection against unexpected events with Comprehensive Accidental Damage Cover.

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Save on your insurance and pay monthly

BBVA Plan EstarSeguro is a free card with no fees. You can bundle your BBVA insurance policies into a single bill, split the payment over 12 months at no added cost and save up to 15%. The more policies you bundle together, the more you save.

And, if you are a renter, there is also an insurance for you.

With Tenant Home Insurance, your property will be protected and we also accompany you with services for day-to-day life.

Find out about the Tenant Home Insurance

You can download the home insurance documentation

You can find out what your homeowner's insurance does and does not cover, what conditions you have to meet or what to do if you decide not to renew.

Do you have any questions about home insurance?

Esencial, Más, Más Seguridad and Cobertura Total

Fire, explosion, smoke and total ruin.
Water and other liquids damage.
Damage due to atmospheric phenomena: heavy rain, strong wind, lightning, hail and excessive snow.
Aesthetic restoration (if a loss aesthetically affects your insured property), debris removal, salvage and firemen's fee.
Substitute residence: expenses, for a maximum of one year, for the rental of a dwelling due to a loss that renders your habitual residence uninhabitable.
Loss of rent: amount, for a maximum of one year, of the rent that you do not receive from your rented property due to a loss that renders it uninhabitable.
Theft damage to the building if you are robbed or attempted to be robbed.
Replacement documents and computer files.
Public liability for the property and domestic staff.

Más, Más Seguridad and Cobertura Total:

Breakages of windows, marble, sanitary ware, and glass-ceramic cooktops.
Sound waves and impacts from outside caused by third parties.
Electrical damage due to external short-circuit, overvoltage of the external network or lightning.
Deterioration of food or medicines due to refrigerator breakdown or power failure.

Más Seguridad and Cobertura Total:

Robbery inside the insured property.
Robbery outside the main residence.
Fraudulent use of your cards due to theft, loss or fraud.
Damage to your property if you are robbed or attempted to be robbed.
Replacement of locks due to theft of keys.
Acts of vandalism by third parties.

Total Coverage:

Fully Comprehensive Accident Insurance: accidental damage to your property inside your home, even for causes not included in the policy.
Leaks in walls and façades due to heavy rain.
Electrical damage due to internal short circuit.
Lock replacement due to lost keys.
Employee fraud: property stolen from the home by domestic staff.
Temporary relocation of insured property: damage or theft of your property in a temporary dwelling other than your usual one, or during transportation.

Additionally, extra services in all options (Esencial, Más, Más Seguridad and Cobertura Total)

Home assistance: you have a network of professionals available for home repairs such as locksmiths, electricians and security personnel.
Maintenance due to use and deterioration: you have professional help for certain maintenance work.
DIY service (Handyman) to perform small jobs and repairs in your home.
Pet and plant assistance: you have a phone number to ask us everything you need about dogs, cats and plants.
Home and online computer assistance.
Legal advice and protection for you and your family.

Extra services only in Full Coverage

Pest control.
Preventive unblocking in single-family houses: one unblocking of water drainage pipes per year to prevent water damage.
Express service: commitment to improve the time required to attend and respond to claims.