home insurance

Calculate the price of your home insurance and subscribe it online

For homeowners and tenants

You can count on the peace of mind you need in and out of your home regardless of whether you are a homeowner or a tenant.

Pay for what you need

An insurance that suits you and your lifestyle which allows you to add the coverage you need.

We cover the most frequent unforeseen events you may encounter ⁽¹⁾

Water damage, breakage of glass or theft, along with third-party liability for you and your home.

DIY and computer assistance service

You can count on having a handyman to do any DIY jobs you need done with Bricocaser ⁽³⁾, as well as computer assistance ⁽⁵⁾.

Take out your home insurance on our Digital Banking service in just three steps

CALCULATE YOUR PRICE

Enter the data of the home to be insured (post code, type of home, use, year built, floor area, etc.) and we will calculate the price of your insurance.

CUSTOMISE YOUR INSURANCE

Customise the insurance to your home's needs and specific characteristics. Add any optional coverage you may be interested in.

SUBSCRIBE ONLINE

We will ask you to provide the exact address of the home to be insured and the account to which the bill will be charged. Accept the legal clauses, download the documents and sign the contract.

Calculate your price in two minutes

Do you need any help to subscribe your home insurance online?

Download the online subscription guide PDF (512.05Kb)

A home insurance policy which includes exclusive advantages at no additional cost

DIY: A handyman to do DIY jobs at home

Bricocaser provides you with a handyman to put up shelves, hang curtains, assemble furniture, repair a tap, seal joints and much more (3).

Courses for you and school help for the kids

Support for primary to high school students and language courses geared at all ages(4) through Caser Academia.

Computer assistance by telephone

If you suffer any incident involving your computer or the Internet(5), we will help you sort it out.

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And it allows you to add the additional coverage you need

We take care of your elders for you

The "Amayores" service allows you to count on the help of a specialised professional for three hours a year to care for your elders when you cannot⁽⁶⁾.

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Electrocaser Service

The Electrocaser Service⁽⁷⁾ allows you to get your white line household appliances repaired, including free call-out and the necessary spare parts.

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What does the home insurance cover?

We cover the most frequent unforeseen events you may encounter(1)

Water, rain and wind damage

Expenses of locating and repairing water leaks
Water and electrical damage
Coverage for any damage caused by rain and wind, provided the intensity set forth in the General Terms and Conditions is reached
Damage from water seepage caused by rain filtering through roofs, ceilings, walls or partition walls

Glass breakage

Breakage of glass, including breakage of ceramic and induction hob glass, marble tops, sanitary appliances and bathroom screens
Fixed glass panes on ovens, fridges, washing machines, fireplaces or stoves

Robbery, burglary and theft

Jewellery and cash in the event of burglary and robbery
Fraudulent card use
Total or partial replacement of locks (including their keys) with others having similar characteristics in the event of robbery, burglary or theft of the insured home's entrance door keys
Garden, storage room, garage and basement furniture, including solar panels*

Emergencies

The home insurance includes emergency services like:

Plumber
Electrician
Locksmith
Glazier

Calculate the price of your home's insurance

Calculate the price of your home insurance in just two minutes and subscribe it totally online without having to leave home

Calculate your price

Frequently asked questions about home insurance

What services do Caser Academia and Bricocaser include?

Caser Academia:

Language courses for all ages (English, French, German and Italian).
Academic support for students at primary, secondary and upper secondary level.

Bricocaser:

Installing cable concealment ducts.
Sealing bathtub, shower, sink and kitchen sink joints with silicone.
Assembling furniture kits and putting up shelves.
Installing bathroom and kitchen accessories that do not involve any plumbing work.
Replacing taps, non-recessed stopcocks, cistern mechanisms, hoses, kitchen sink or sink drain/overflow kits, and purging radiators.
Hanging curtains, blinds, pictures, clotheslines, mirrors, coat racks and wardrobe rods.
Hanging lamps from the ceiling or on walls, where there is an electrical connection.
Installing sockets, switches, buzzers or similar items, without changing the box that houses them or the wiring.
Placing weatherstripping on windows and affixing glass with silicone.
Repairing and replacing non-electric blinds, as well as their straps.
Installing or changing handles, doorknobs and latches.
Changing door hinges on wood furniture.
Placing wall corner guards and joint flashings between different kinds of flooring.

If I subscribe the insurance online, would I have the same terms and conditions as if I were at a br

The coverage and services are the same regardless of whether the subscription is done online or at any of our Unicaja Banco branches. Consult the terms and conditions if there is an ongoing promotion.

Can I get a better price if I subscribe the insurance for several years?

Yes, you can. If you subscribe for several years, you can get an additional discount of up to 15% on the net premium.

What is the home insurance's payment method?

You can choose the payment method that best suits you. In a single annual payment or splitting the premium in quarterly or half-yearly bills (there will be a 2% surcharge if you split the premium half-yearly and a 4% surcharge if you do so quarterly). And if you wish to pay for it in convenient monthly instalments without having to pay the surcharge for splitting the payment, check the advantages offered by the Uni Insurance Plan.

How can I get in touch if I have to file a claim concerning my home?

The Caser emergencies and claims call centre can be reached at 915 909 752 and is available 24 hours a day throughout the year.

* Coverage for elements that are located outside the home, like gardens or terraces that are protected by a fence with a height of at least two metres and limited to proper garden furniture, gardening tools and solar panels, provided they are located in a private area owned by the insured party. Coverage for goods stored in storage rooms, garages and basements, which must be equipped with individual locks, have all their openings protected and be for the insured party's exclusive use. In addition, they are subject to a limit of 20% of the insured capital sum for furniture up to a maximum of €4,000 per claim. Jewellery and objects of special value are excluded.

(1) The product's coverage according to the policy's General and Specific Terms and Conditions.

(2) Protection Home Insurance taken out with CASER Grupo Asegurador through Unimediación, S.L.U. , a related banking-insurance operator, duly registered at the Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the distribution network of Unicaja Banco, S.A. Third-party liability insurance taken out in accordance with Royal Decree-Law 3/2020 of 4 February. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros. Insurance company: CAJA DE SEGUROS REUNIDOS, Compañía de Seguros y Reaseguros, S.A. (CASER), VAT Reg. No. A-28013050. Madrid Companies Registry – Volume 2245 – Folio 179 – Sheet M-39662 – Avda. de Burgos, 109 (28050) Madrid.

(3) Includes the professional's travel time and the first three hours of labour, which may be increased for an additional two hours at the customer's expense. One service per home visit and two requests per policy and yearly insurance premium. The service must be requested through Caser. Any other service not requested through Caser will not be entitled to reimbursement or indemnity compensation.

(4) Caser Academia terms and conditions of service: eligibility for the service is conditional upon your policy being in force, during which time the insured party shall be entitled to register for three courses a year from among those offered on the programme. The insured party shall be entitled to one change of academic year in each year the policy is in force in order to be able to adapt it to the academic year which corresponds to the student.

(5) It includes the resolution of incidents related to the private use of the Insured's computer at home, system configuration and help in the use of applications and data recovery. The service must be requested through Caser. Any other service not requested through Caser will not be entitled to reimbursement or indemnity compensation.

(6) Terms and conditions of the home help service: Provision of three hours of services anywhere. The beneficiaries shall include: the insured party, their spouse/partner and first-degree relatives in the ascending line, even if they do not live with the insured party. The three hours of service provided must be used within a maximum continuous period of one month within each year the policy is in force. The services included are physical care, personal attention, accompaniment, assistance and night care. Additionally, the customer can benefit from an integrated telephone guidance and counselling service (medical, social, psychological, dietetic-nutritional and legal).

(7) The Electrocaser service is solely a repair service and not an indemnity compensation service and must only be requested through Caser at the telephone number indicated in the policy. Any other service not requested through Caser will not be entitled of reimbursement or indemnity compensation. A maximum of two requests per policy and year will be dealt with and it has following coverage:

- Quotation and call-out free of charge.
- 24-hour telephone service.
- Repairs costing up to €300 (including VAT), including three (3) hours of labour and spare parts, provided their replacement is necessary.
- If the aforementioned limits are exceeded, the cost per hour and/or excess amount will be charged to the insured party.
- The appliances covered include: washing machines, dryers, refrigerators, freezers, dishwashers, extractor hoods, electric ceramic or induction hobs, electric hobs, ovens and microwaves.

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