New! Comprehensive Home Insurance

  • New coverages and services that provide a response in any situation. 

  • 365 days of protection against squatting. 

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

Flexible coverage adapted to you, with optional coverage customised to suit your type of home.

The Comprehensive Home Insurance adds coverages and services beyond the Essential Home Insurance so you can enjoy greater peace of mind. 

What does the Comprehensive Home Insurance consist of?

It is designed for homes that want complete protection, including: 

  • Damage due to vandalism. 

  • Robbery and armed robbery outside the home. 

  • Employers’ liability insurance. 

  • Handyman and maintenance.
     

And other optional coverages, to give you the flexibility you need. 

Coverages included in Comprehensive Home Insurance

Damage to garden and terrace furniture and tree

  • If your outdoor furniture, plants or artificial grass are damaged due to weather events, fire, water, etc., you can optionally take out this coverage so they are protected. 
Breakage or theft of electric chargers and solar panels
  • If you suffer breakage or theft of the electric charger or solar panels in the private areas of your home, these will be covered.  
Robbery and mugging outside the home 

If you suffer a robbery outside your home, the cost of stolen keys and expenses incurred for changing locks and re-obtaining stolen documents are covered. 

Damage due to vandalism 
  • Repair or replacement is covered for malicious acts by third parties that damage your insured property, upon presentation of the police report. 
Civil liability for domestic staff 
  • Línea Directa covers payments for damage to third parties caused by domestic employees in your home. 

Extended home assistance 

  • Includes handyman and maintenance services. You can also optionally include appliance repair and home technology assistance services. 
Daños causados a la vivienda por choque de animales, vehículos y ondas sónicas
Estarás cubierto ante el impacto de alguno de estos elementos.

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Robo en el interior de la vivienda

 

  • Con esta cobertura quedarán cubiertos los daños por robo y los sustraídos con violencia o fuerza.
  •  

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Protección por pérdida de uso de la vivienda

  • Incluye el desescombro de la vivienda, así con el gasto que suponen las tasas de intervención.
  •  

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Responsabilidad Civil del propietario
Te protegemos ante cualquier daño que tu vivienda cause a terceros, ya sea por accidente, agua, fuego o cualquier imprevisto. 

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Defensa jurídica

 

  • Línea Directa pone a tu disposición a los abogados y procuradores necesarios en la reclamación de Responsabilidad Civil.


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Manitas y mantenimiento
 

  • Incluye pequeñas reparaciones domésticas (persianas, grifos, lámparas…). 
  •  

 

What other coverage can you include in your Comprehensive Home Insurance 

Add the coverage you need so that your insurance fits the daily life of your home. 
We offer you legal advice and compensate you for accommodation, utilities and damage expenses, as well as the costs of repairing damage after eviction. 
More information
Imagen de fondo del banner SUMA Side
It includes payment for financial losses, identity recovery and legal defence. 
More information
Comparison tool for Línea Directa Home Insurance
With our Home Insurance policies, you will have access to a wide range of coverages for your everyday needs. Below, we present a comparison of our three Home Insurance products.
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

 How to calculate the price of your Comprehensive Home Insurance 

Identify whether you’re insuring the Building, Contents or both, and what sums insured you need. 
Enter on the form: location (city/province), use (main home/second home), square metres, year built and security measures (alarms, locks). 
In just 2 minutes you’ll know the price of your insurance. 
Join the more than 3,700,000 customers who already put their trust in Línea Directa 

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 

Advantages of Comprehensive Home Insurance

Discover everything Comprehensive Home Insurance can offer you: 
Broader protection
With higher coverage limits
Greater peace of mind 
In the event of liability claims. 

Additional and optional coverages and services 

That allow you to tailor the insurance to your needs and those of your home.  

Suitable for all types of homes  

Or for landlords. 

Explore our other home insurance policie

We want to offer you a policy adapted to you and your home´s needs.

Essential home

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

 

More information
Main coverages:
  • Damage by fire, explosion, implosion and smoke
  • Water damage
  • Damage caused by atmospheric phenomena
  • Burglary inside the home
Comprehensive Home Plus
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
Coberturas principales:
  • Damage by fire, explosion, implosion 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

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En tu Área de Cliente podrás consultar toda información de tus seguros, modificar lo que necesites y solicitar servicios de manera aún más sencilla.

  • Abrir y gestionar partes, así como conocer la evolución de los mismos.

  • Nuestro chat está siempre disponible para ayudarte.​

  • Acceso a ventajas exclusivas con el Programa de ventajas Por SER de Línea Directa.​

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Frequently asked questions

If you suffer a robbery outside your home, it is important to present the police report detailing what happened and the items stolen. It is also recommended to provide the invoice or proof of purchase for the stolen item, if you have it, and any document or testimony that helps to verify the place, date and circumstances of the robbery
Yes, provided they are attached to the same building and are locked. However, there are specific limits for items stored in these areas and electronic devices and valuables are not covered. 
Yes, you can insure your second home without any problem. You only need to declare its use as a second home when taking out the insurance; this ensures that the coverages, such as theft, water leaks or weather events, are correctly adjusted to your situation and provide the protection you really need.