Coberturas del Seguro de Hogar

Give us a call 917 002 010

Give us a call

917 002 010

We explain the coverages we offer and how you can add them, depending on the policy you choose

We tell you about our coverage and how you can take it out.

Furthermore, below you can see a comparison tool indicating in which type of insurance they are included or available to take out as an optional extra.

Property damage

This first section includes various coverages that protect your home and belongings against different risks:

Damage by fire, explosion, implosion and smoke

Covers direct damage caused by fire, accidental explosions and smoke from heating systems or chimneys.

Water damage

This coverage protects you against leaks, breakages of taps, sanitary ware, private pipes and seepage from neighbouring properties.

Water damage from leaks and leaking appliances

Covers damage caused by water leaks from washing machines, dishwashers and similar appliances.

Water damage caused by external pipes

We also include damage caused by broken pipes located in patios or gardens.

Electrical damage

This coverage covers power surges, short circuits and lightning strikes affecting installations or appliances.

Damage caused by atmospheric phenomena

Protects your home against damage caused by wind, rain, snow, hail, flooding, and lightning strikes.

Breakage of glass, kitchen hobs and sanitary ware

Includes windows, shower screens, fixed mirrors, hobs and ceramic sanitary ware.

Breakage of glass on furniture

Mirrors, decorative glass and marble on furniture are covered under this coverage.

Expenses for spoilage of refrigerated foodstuffs

In the event of a fridge breakdown or a power cut lasting more than 6 hours, the loss will be covered.

Cosmetic damage

If you’ve suffered a loss, we’ll cover the cost of replacing materials to maintain the property’s appearance.

Damage due to vandalism

Con Línea Directa quedarás cubierto si sufres daños malintencionados por parte de terceros.

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

Estarás cubierto ante el impacto de alguno de estos elementos.

Damage to your property in-transit and when travelling

With Línea Directa, your insured property is protected during temporary stays in hotels or holiday apartments.

Damage or theft of electric charger and solar panels

If you have any issues with these elements, we offer you the protection you need to enjoy a more sustainable home.

Damage to furniture and trees in gardens and terraces

With this optional coverage, damage to outdoor furniture, plants and artificial grass will be covered.

Burglary and theft

Experiencing a theft or burglary is always distressing. That’s why Línea Directa offers coverages to protect you from this.

Burglary and damage caused by burglary inside the home

This coverage covers damage caused by burglary and items stolen with violence or force

Theft from within the home

Even if there’s no violence, you’ll still be covered for theft inside the home.

Robbery and armed robbery outside the home

Jewellery, money and documents will be covered by this coverage in the event of theft or mugging outside your home.

Protection for loss of use of the home

If, unfortunately, your home suffers a loss—such as a fire or flood—and you can’t live in it temporarily while repairs are carried out, you’ll be covered in the following cases:

Salvage, fire-fighter and debris removal expenses:
Includes debris removal from the home, as well as expenses incurred from intervention fees.
Transfer and temporary stay expenses due to forced evacuation of the home:
With this coverage you have:
- Transfer and temporary stay due to moving out of the home.
- Restaurant and laundry expenses due to moving out of the home.
- Transfer of furniture to furniture storage facilities: If you need to move your furniture to a safe place, this coverage will cover the transport and storage costs
- Don’t worry—with this coverage, we’ll take care of the safekeeping and custody of the home in the event of theft or fire.
- Replacement of electronic devices (TV, computer, tablet, smartphone): Until Línea Directa replaces your permanent devices, we’ll provide you with replacement devices for up to 15 days that perform the same function.
- Early return due to serious loss: If you’re abroad at the time of the claim, this coverage will cover your return ticket.
Costs of alternative long-term accommodation due to the home being uninhabitable: Don’t worry if the repair takes longer than expected—Línea Directa will cover the rental of a similar home.
Loss of rent due to uninhabitability of the property rented to a third party: If you rent out your home and have Building insurance, this coverage will cover the loss of rental income if the property becomes uninhabitable.
Costs of duplication and re-obtaining documents: If you need to request replacement of your ID card, passport, deeds, etc., this coverage means Línea Directa will cover any costs that may arise.

Damage caused to third parties (Civil Liability)

Civil liability is a coverage that protects you if, unintentionally and from your home, you cause damage to other people or property.

We detail the coverages you may have, depending on the Línea Directa Home Insurance you choose, according to the party at fault:

Owner's liability

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

Family liability

We offer you protection against claims because of material or personal damages. No matter if they are caused by you or any family member living in your home.

Civil liability for domestic staff

Línea Directa covers payments for damage to third parties caused by domestic employees in your home.

Legal protection and assistance

If you need legal advice or help making claims against third parties, Línea Directa offers the following coverages.

Legal defence

Línea Directa provides the necessary lawyers and solicitors for civil liability claims.

Damage claim

We’ll assist you in the claim for damages against third parties for losses in the home.

Legal advice and legal protection of the insured:

For queries about contracts, community matters, leases, etc., we’ll help you with any legal questions.

Home assistance

Do you have a domestic problem that needs fixing? We can help in the following cases:

Gaining access to the home

For loss or theft of keys.

Repair of electrical appliances

Repair of electrical appliances:Includes call-out, labour, and materials

Handyman and maintenance

Minor domestic repairs (blinds, taps, lamps, etc.).

Premium handyman and maintenance

In addition to the minor repairs mentioned above, this also includes coverage for cases such as unblocking with pressure equipment or repair of awnings and pergolas.

Technological assistance in the home

We offer remote and on-site IT support, for data recovery or backup storage

Access to professionals for repairs not covered

If you need a repair that isn’t included in your insurance, Línea Directa will give you access to a professional who will come to your home free of charge.

Enhanced! Squatter protection

Resolving a squatting situation in your home can be a very tough and complicated process.

At Línea Directa, we want to help make everything as simple as possible. That’s why, for one year from the moment the illegal occupation begins, we take care of all the important matters throughout the process, from start to finish, with financial compensation and legal advice.

We explain what this coverage includes:

Compensation for accommodation expenses.
Compensation for supply costs.
Compensation for loss of rent from the insured property.
Compensation for furnishing expenses: Repairs after eviction.
Civil Liability: For damage caused to third parties during the occupation.
Remote legal advice: By telephone.
Squatter-related conflicts: Legal claim to recover the home.

New! Protection for digital fraud and identity theft

In an increasingly digital world, cases of digital fraud or identity theft are becoming more and more common. Aware of this, Línea Directa wants to help you, so we offer this optional coverage, which will protect you in the following cases:

Alert system and monitoring of digital fingerprints and possible data breaches: Your identity will be protected against digital risks and cyber threats.
Digital identity and data recovery: We guarantee support and system and data restoration services.
Emergency legal advice: 24 hours.
Digital erasure and the right to be forgotten defence: In the event that a digital footprint is created that affects your reputation.
Telephone/online legal advice.
Compensation for financial losses resulting from digital fraud and card misuse: Up to €5,000 per fraud.
Legal defence and claims for digital fraud and identity theft: Cyber extortion, online purchase claims, reputational and moral damage, etc.

Comparison tool for Línea Directa Home Insurance

Tabla General Roja Portfolio Hogar con chips TABLE, Inglés.
Coverages	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	Optional	Optional
Damage to furniture and trees in gardens and terraces
Damage to furniture and trees in gardens and terraces	Optional	Optional
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	Optional
Access to professionals for repairs not covered
Access to professionals for repairs not covered
Protection against illegal occupation
Protection against illegal occupation	Optional	Optional
Legal defence and claims for digital fraud and identity theft
Legal defence and claims for digital fraud and identity theft	Optional	Optional

How to take out these coverages

Discover our coverages and take out the Home Insurance that best suits your needs and those of your home. Essential, Comprehensive or Comprehensive Plus Home Insurance are the three policies we offer to put your peace of mind first.

With the new Home Insurance, you´ll have solutions, not excuses.

Take out Home Insurance with coverages tailored to your needs and have peace of mind.

At Línea Directa, we offer you three types of insurance so you can choose the one that best suits you and your home, and live with peace of mind.

With Línea Directa, you have insurance designed for you: flexible, digital and with home assistance whenever you need it.

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

Calculate Home Insurance

Good Home Insurance is one that offers the coverages you need to give you peace of mind about anything that might happen in your home.
As every person and every home is different, no two quotes are the same. But at Línea Directa, we make it very easy for you to find out—in just a couple of minutes—the price of the insurance that best suits your needs.

Just answer a few simple questions about:

Your home and how you use it.

Its location.

Its size in square metres.

Year of construction.

Personal details of the policyholder.

And we’ll give you an online quote with no obligation.

¿Y si ya tengo un Seguro de Hogar y quiero proteger mi casa contra la okupación?

Nuestro Seguro de Protección por Ocupación ilegal te ofrece la tranquilidad de estar asesorado y acompañado en todo momento si tu vivienda es okupada de forma ilegal.

Para cualquier tipo de vivienda.
Tengas o no Seguro de Hogar.
Por sólo 24 €/año.

Más información

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.

Descárgala con este QR

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

Frequently asked questions

Do you have questions about how our Home Insurance works?
Here are the answers to some of the most common ones.

How can I increase the coverages of my Home Insurance?

At Línea Directa, we offer 3 insurance policies (Essential, Comprehensive and Comprehensive Plus) with a wide range of coverages, so you can choose the most suitable one according to your type of home and your needs. Contact us for more information and we’ll advise you on the best option.

How can I check which coverages are included in my insurance?

In the Customer Area of the Línea Directa website and App, you can check all the insurance policies you have with us, as well as the details of the coverages for each one.

Home Insurance coverages