With the new Home Insurance, you put your home into easy mode.

  • Easy to understand what's covered and what's not. 

  • Easy and fast in the service.

  • Easy to resolve any loss. 

Get a quote
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Give us a call 917 002 010
Give us a call
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917 002 010

 Línea Directa Home Insurance Plans

Essential Home 

The fundamental protection for your home, with coverage for the most common everyday unforeseen events. 

 

 

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Main coverages: 

  • Damage due to fire, implosion, explosion and smoke 
  • Water damage
  • Damage caused by atmospheric phenomena 

  • Burglary inside the home

Recomended
Comprehensive Home 

The total protection for your home, with the coverage and services that guarantee your peace of mind. 

 

 

More information
Main coverages: 
  • Damage due to fire, implosion, explosion and smoke
  • Water damage
  • Damage caused by atmospheric phenomena  
  • Burglary inside the home

  • Damage due to vandalism

  • Robbery and armed robbery outside the home

  • Handyman and maintenance

Comprehensive Plus Home 

The comprehensive protection designed for homes with a terrace or garden, with extended coverage and specific services so your home lacks for nothing. 

  

More information
Main coverages: 
  • Damage due to fire, implosion, explosion and smoke 
  • Water damage
  • Damage caused by atmospheric phenomena  
  • Burglary inside the home
  • Damage due to vandalism
  • Robbery and armed robbery outside the home
  • Handyman and maintenance
  • Damage to furniture and trees in gardens and terraces

    Voluntary hiring coverage

 Comparison tool for Línea Directa Home Insurance 

Tabla General Roja Portfolio Hogar con chips TABLE, Inglés.
Coberturas Essential Comprehensive Comprehensive Plus

Damage by fire, explosion , implosion and smoke

Damage by fire, explosion , implosion and smoke

 Check Check Check

Water damage

Water damage

 Check Check Check

Water damage from leaks and leaking appliances

Water damage from leaks and leaking appliances

 No check Check Check

Water damage caused by external pipes

Water damage caused by external pipes

 No check No check Check

Electrical damage

Electrical damage

 Check Check Check

Damage caused by atmospheric phenomena: wind, rain, snow, hail, flooding, and lightning strikes

Damage caused by atmospheric phenomena: wind, rain, snow, hail, flooding, and lightning strikes

 Check Check Check

Breakage of glass, kitchen hobs and sanitary ware

Breakage of glass, kitchen hobs and sanitary ware

 Check Check Check

Breakage of glass on furniture

Breakage of glass on furniture

 No check Check Check

Expenses for spoilage of refrigerated foodstuffs

Expenses for spoilage of refrigerated foodstuffs

 No check Check Check

Cosmetic damage

Cosmetic damage

 Check Check Check

Damage due to vandalism

Damage due to vandalism

 No check Check Check

Damage caused to the home by collisions with animals, vehicles and sonic booms

Damage caused to the home by collisions with animals, vehicles and sonic booms

 Check Check Check

Damage to your property in-transit and when travelling

Damage to your property in-transit and when travelling

 No check No check Check

Breakage or theft of electric charger and solar panels

Breakage or theft of electric charger and solar panels

 No check Opcional Opcional

Damage to furniture and trees in gardens and terraces

Damage to furniture and trees in gardens and terraces

 No check Opcional Opcional

Burglary and damage caused by burglary inside the home

Burglary and damage caused by burglary inside the home

 Check Check Check

Theft from within the home

Theft from within the home

 Check Check Check

Robbery and armed robbery outside the home

Robbery and armed robbery outside the home

 No check No check Check

Salvage, fire-fighter and debris removal expenses

Salvage, fire-fighter and debris removal expenses

 Check Check Check

Transfer and temporary stay expenses due to forced evacuation of the home

Transfer and temporary stay expenses due to forced evacuation of the home

 Check Check Check

Costs of alternative long-term accommodation due to the home being uninhabitable

Costs of alternative long-term accommodation due to the home being uninhabitable

 Check Check Check

Loss of rent due to uninhabitability of the property rented to a third party

Loss of rent due to uninhabitability of the property rented to a third party

 Check Check Check

Costs of duplication and re-obtaining documents

Costs of duplication and re-obtaining documents

 Check Check Check

Owner's liability

Owner's liability

 Check Check Check

Family liability

Family liability

 Check Check Check

Civil liability for domestic staff 

Civil liability for domestic staff 

 No check Check Check

Legal defence

Legal defence

 Check Check Check

Gaining access to the home

Gaining access to the home

 Check Check Check

Repair of electrical appliances

Repair of electrical appliances

 Check Check Check

Handyman and maintenance

Handyman and maintenance

 No check Check

Premium

Technological assistance in the home

Technological assistance in the home

 No check No check Check

Access to professionals for repairs not covered

Access to professionals for repairs not covered

 Check Check Check

Protection against illegal occupation

Protection against illegal occupation

 No check Opcional Opcional

Legal defence and claims for digital fraud and identity theft

Legal defence and claims for digital fraud and identity theft

 No check Opcional Opcional

What coverages are included in Línea Directa Home Insurance? 

Squatter protection 

 

  • If your home is squatted, we support you at every stage. With financial compensation for accommodation expenses, utilities, loss of rental income and repairs, as well as legal defence and civil liability cover. 
Protection and compensation for digital fraud and identity theft 
  • Digital alerts, identity and data recovery, 24 hour advice, digital erasure and compensation for economic losses due to fraud are all included with this coverage. 
Damage due to fire, implosion, explosion and smoke 
  • We protect you against damage caused by fire, implosions, explosions and smoke, including salvage, extinguishing, debris removal and items affected during the claim.

Water damage 

 

  • Breakages, blockages, leaks, seepage or overflows in private pipework are covered under this coverage. 

Electrical damage 

 

  • With this coverage you are protected against power surges or drops, short circuits or lightning strikes without fire. 
Damage caused by atmospheric phenomena 
  • Building and Contents are covered for damage caused by wind, rain, snow, flooding, hail and lightning strikes.

Glass breakage 

 

  • This coverage includes replacement for breakage of window panes, windows, shower screens, sanitary ware, hobs and fixed surfaces. 

Burglary 

 

  • Línea Directa guarantees payment for stolen goods, damage caused, cash, jewellery and replacement of locks. 
Personal liability cover for damages caused to third parties 

This coverage provides compensation for personal injury, property damage and losses caused to third parties as owner, family or domestic staff. 

Calculate your Home Insurance 

Do you want to know how much Home Insurance costs with us? You can find out in just a few minutes with our online quote system. 
917 002 010 Get quote
Join the more than 3,700,000 customers who already put their trust in Línea Directa 

What are the main advantages of Línea Directa Home Insurance?

Because your peace of mind starts with having your home protected, here are some of the advantages we offer at Línea Directa. 
Comprehensive protection
Covers both damage to the structure of the building (Building) and your belongings (Contents). 
Water or electrical damage
 From a burst pipe to a power surge that damages your appliances, it would be covered. 
Home assistance, such as the handyman service and maintenance

We resolve your emergencies and minor household repairs. 

Digital coverage in case of digital fraud and identity theft

 

You can have 360-degree identity protection and comprehensive technology assistance. 

Clean energy insured

Your solar panels and electric vehicle or plug-in hybrid chargers are also protected. 

Protection against squatting

We support you throughout the process, with financial compensation and legal assistance. 

Apertura de puertas.
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Reparación de electrodomésticos.
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Reparaciones adicionales y mantenimiento.
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Protección por ocupación ilegal de tu vivienda.
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Daños estéticos.
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Daños a terceros.
Daños por fuego.
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Daños por agua.
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Robo en el interior de la vivienda.  
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Robo en el exterior de la vivienda.  
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Daños atmosféricos.
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Cobertura de placas solares.
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Con la garantía de Línea Directa Aseguradora, una gran compañía a tu servicio, con los mejores recursos tecnológicos y humanos.
Solicitud rápida de los servicios de asistencia por teléfono y desde la web y la App. 24/7, 365 días al año.

Frequently asked questions 

Home insurance is a way to protect your home and belongings against fire, water damage, burglary or electrical damage, among others. In addition, you can have peace of mind with civil liability coverage for possible damage caused to third parties, protection against squatting or home assistance. 

With Comprehensive or Comprehensive Plus Home Insurance, you can add the optional coverage “Damage to furniture and trees in gardens and on terraces”. This protects your outdoor furniture, plants or lawn (natural or artificial) against fire, water or weather events. 
You can also insure your second home with Línea Directa. Even if you don’t live there all year round, it will be protected against the same risks as your main home: fire, water leaks, burglary, electrical damage or weather events. 
You’ll also have cover for protection against squatting, giving you peace of mind, and home assistance if something unexpected happens while you’re away. 
If you rent, you can also take out Línea Directa Home Insurance tailored to you. You can choose Contents cover only, protecting your personal belongings such as furniture, clothing, appliances or devices against damage, leaks or burglary. And with civil liability cover, you’ll be covered if you cause damage to your neighbours. 
Of course. With Línea Directa you can adapt your Home Insurance whenever you need to, easily from the Customer Area or, if you prefer, by phone: increase or reduce sums insured, add optional coverages or update your personal details. If you renovate, move home or add new features such as solar panels or electric chargers for your electric or plug-in hybrid car, you can update the insurance to keep your home protected. 
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