Essential Home Insurance – Línea Directa Aseguradora

Give us a call 917 002 010

Give us a call

917 002 010

Essential protection for your home, with coverage designed for the most common, unforeseen events that occur every day.

What does Essential Home Insurance consist of ?

The Essential Home Insurance from Línea Directa is designed to cover the essentials for your home. This insurance protects both the Building (structure, fixed installations) and the Contents (furniture, appliances, clothing, personal belongings) against the most common claims such as fire or weather events, water damage in private pipes, electrical damage, breakage of glass and burglary. It’s the ideal and most affordable option for everyday peace of mind.

It’s the ideal and most affordable option for everyday peace of mind. But if you want superior protection, take out Comprehensive Home Insurance.

What coverages are included in this insurance?

Línea Directa Essential Home Insurance offers a wide range of coverages to ensure your home is always protected against the most common mishaps.

Damage due to fire, implosion, explosion and smoke

We compensate you for direct property damage to the Building and/or Contents. We also cover the expenses for extinguishing, salvage, debris removal and measures taken to stop the loss.

Water damage

Breakage of internal pipes, blockages or overflows from fixed tanks and the direct damage they cause are covered. As well as the expenses for locating and repairing them.

Electrical damage

We protect you against power surges or drops and lightning strikes without fire, by covering damage to insured electrical appliances and fixed installations.

Damage caused by atmospheric phenomena

Building and Contents are covered against damage caused by wind, rain, snow, flooding, hail or lightning.

Breakage of glass, kitchen hobs and sanitary ware

With this coverage you’ll have replacement or repair of window panes, shower screens, hobs and sanitary ware.

Aesthetic damage

We will reimburse you for the repair or replacement costs of insured Building materials (for example, walls, floors or ceilings) that have not been directly affected by the loss.

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

Covers damage caused to the home by vehicle or animal impacts, aircraft crashes or sonic booms.

Burglary in the home and damage caused by burglary in the home

If you unfortunately suffer a burglary in your home, Línea Directa will pay for the stolen items and for damage to access points.

Protection for loss of use of the home

If you unfortunately suffer a burglary in your home, Línea Directa will pay for the stolen items and for damage to access points.

Owner’s and family civil liability

Covers compensation for personal injury or property damage caused to third parties arising from the home or the insured’s private life.

Legal defence and damage claims

We offer you legal assistance, defence and claims for damage against third parties, including legal expenses up to the policy limits.

Home assistance: Door opening and access to professionals for repairs not covered

With this insurance you’ll have a door opening service. In addition, we give you access to professionals for repairs not directly covered by your insurance.

See all coverages

Comparison tool for Línea Directa Home Insurance

In this table you can compare all the coverages available in our Home Insurnace Policies.

Tabla General Roja Portfolio Hogar con chips TABLE, Inglés.
Coberturas	Comprehensive	Comprehensive Plus
Damage by fire, explosion , implosion and smoke
Damage by fire, explosion , implosion and smoke
Water damage
Water damage
Water damage from leaks and leaking appliances
Water damage from leaks and leaking appliances
Water damage caused by external pipes
Water damage caused by external pipes
Electrical damage
Electrical damage
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
Breakage of glass, kitchen hobs and sanitary ware
Breakage of glass, kitchen hobs and sanitary ware
Breakage of glass on furniture
Breakage of glass on furniture
Expenses for spoilage of refrigerated foodstuffs
Expenses for spoilage of refrigerated foodstuffs
Cosmetic damage
Cosmetic damage
Damage due to vandalism
Damage due to vandalism
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
Damage to your property in-transit and when travelling
Damage to your property in-transit and when travelling
Breakage or theft of electric charger and solar panels
Breakage or theft of electric charger and solar panels	Opcional	Opcional
Damage to furniture and trees in gardens and terraces
Damage to furniture and trees in gardens and terraces	Opcional	Opcional
Burglary and damage caused by burglary inside the home
Burglary and damage caused by burglary inside the home
Theft from within the home
Theft from within the home
Robbery and armed robbery outside the home
Robbery and armed robbery outside the home
Salvage, fire-fighter and debris removal expenses
Salvage, fire-fighter and debris removal expenses
Transfer and temporary stay expenses due to forced evacuation of the home
Transfer and temporary stay expenses due to forced evacuation of the home
Costs of alternative long-term accommodation due to the home being uninhabitable
Costs of alternative long-term accommodation due to the home being uninhabitable
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
Costs of duplication and re-obtaining documents
Costs of duplication and re-obtaining documents
Owner's liability
Owner's liability
Family liability
Family liability
Civil liability for domestic staff
Civil liability for domestic staff
Legal defence
Legal defence
Gaining access to the home
Gaining access to the home
Repair of electrical appliances
Repair of electrical appliances
Handyman and maintenance
Handyman and maintenance		Premium
Technological assistance in the home
Technological assistance in the home
Access to professionals for repairs not covered
Access to professionals for repairs not covered
Protection against illegal occupation
Protection against illegal occupation	Opcional	Opcional
Legal defence and claims for digital fraud and identity theft
Legal defence and claims for digital fraud and identity theft	Opcional	Opcional

How to calculate the price of your Essential 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 securit 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.

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Advantages of Essential Home Insurance

Here are the advantages you can enjoy if you choose Línea Directa Essential Home Insurance.

Main coverages for your home

With this insurance you’ll have the essential coverages at a more affordable price.

Digital management

Report and track claims through the Customer Area and the Línea Directa App.

See more advantages

Conoce nuestros otros seguros de Hogar

Queremos ofrecerte un seguro adaptado a ti y a las necesidades tu casa.

Explore our other home insurance policies

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

Descubre todo lo que puedes hacer con la nueva App de Línea Directa

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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Escanea este QR en tu dispositivo móvil y te redigiremos a la store correspondiente.

Frequently asked questions about our Home Insurance

Who is Essential Home Insurance designed for?

Essential Home Insurance is ideal if you have a medium-sized home or want basic insurance for your second home. Línea Directa offers you the essentials so you can have peace of mind without overpaying.

But if you want superior protection, you have Comprehensive Home Insurance available.

What’s the difference between Building and Contents?

The difference between Building and Contents is clear. When we talk about Building, we mean the structure and fixed elements (walls, floors, ceilings, installations). Contents refers to the furniture, appliances, clothing or personal belongings. With Línea Directa Home Insurance you can have peace of mind covering both aspects if you wish.

What should I do if I have a water leak and there’s damage?

At Línea Directa we recommend you use our App to report the claim. We will ask you for photos, invoices and, if applicable, the police report. Do not dispose of any damaged items, in case it is necessary to document them with images.

New! Essential Home Insurance