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Caser Home Insurance in Spain is a complete product that responds to adversity within a short space of time, so that you can carry on with your life without worrying about anything.
If there's one thing we’re proud of, it’s that we always try to make our insurance as clear as possible. That's why you’ll always find an explanation of the Coverage, along with the typical exceptions. We’re the insurance provider of choice for a good reason.
Our basic Coverage includes all of those damages caused by external forces that need to be taken into account for Home insurance.
FIRE: combustion and burning by flame of an object or objects that were not designed to be burned.
EXPLOSION: a sudden, violent expansion of gases, caused by a physical or chemical reaction.
LIGHTENING: the violent discharge due to interference in the electrical field of the atmosphere.
Torrential rain, summertime storms, high winds (over 80 km/h), snow... Anything that can cause damage to your home. If a street light falls down in high winds, hitting your house, we will fix it. For example, if windows or shutters are damaged by heavy rain or hail, we will replace them.Exclusions
After several days of rain, it is possible that there will be flooding due to the overflow of rivers, lakes, sewage or canals. Any damage caused by these events is covered by your insurance.Exceptions
Any malicious acts that cause damage to your property which have been performed by third parties, regardless of whether or not they are related to you.
Damage which may cause legal demonstration is also included. Don’t worry about street vandals any longer.Exclusions
Following a fire, or having burnt a domestic appliance, smoke residue can remain on the walls. Caser will take care of this damage 100%.
Imagine a stormy day which causes a fault in a power supply. This fault causes a surge in an electrical appliance which causes damage. Caser Home Insurance covers all electrical damage, regardless of the age of the appliance - except in the case of computers. In this case the age limit is ten years.Exclusions
If you are a cautious person and you have anti-fire systems in place, we will cover you for the damages caused by a fire that was generated by external faults, such as short-circuits or a power surges. These damages tend to be water damage.Exclusions
Water damage is not just about the leak, it is finding the cause of the leak and solving it. Caser Home Insurance takes all these unexpected situations into account. We will turn your house upside down to find the source of the leak, but this Coverage guarantees that we will leave it just as it was before.
We look after all water damage caused by appliances, damaged pipes, damage to other appliances, damaged tanks, locating the fault and fixing the fault (workforce and required materials) and reconstruction if we have to break anything for access. Even if the leak is your fault for having left the tap on. Accidents happen.Exclusions
Regardless of where you live, burglary and theft can be worries that play on your mind. A Coverage of this type doesn’t just cover you against theft in your home - you are also coveredin the case of muggings. Your belongings are yours both inside and outside of your house.
Nevertheless, it is always important to clarify the following concepts:
In the case of robberies in the property, we will compensate you up to 5% of the amount insured, items stolen outside the property (garden, garage, outbuildings), as long as the area is enclosed.
Up to €600 stolen from a safe deposit box.
Compensation for mugging outside the property, both in Spain and within EU countries, where a report has been made to the relevant authorities. Up to €1500 for theft of belongings (bag, jacket, mobile phone...) and up to €300 for theft of cash. *The amount insured is for all members of your party. This means that if a mobile phone and jacket are stolen from you and a mobile phone, a wallet and a watch are stolen from your partner, the maximum compensation for these items remains €1500.
In the case of your cards being taken, Caser offers provision for full complaint and deactivation. We will assume losses from the fraud committed to a maximum value of €600, for a maximum period of 48h. If you do not deactivate the cards or the bank fails to do so in a timely manner, the responsibility is transferred to your bank.
Life is subject to a series of daily accidents. You drop the water jug on that little glass coffee table, you're cleaning to the beat of the Rolling Stones when the mop slips out of your hands and into a vase... These are just small examples of possible damage. Caser Home Insurance covers breaks in glass windows, doors, skylights, sun roofs, shower screens and glass-top hobs, covering the cost of delivery and installation to the cost of the replacement. We will also bear the costs of transportation and installation.
We also cover solar panel glass, broken bathroom ceramics (toilets, showers, sinks), mirrors and marble or granite panels, whether decorative or forming part of furniture or work surfaces.Exclusions
The fact that we have to take up your bathroom tiles doesn’t have to mean that your house will resemble a battlefield when the work is complete. We will fix it for you and, if you have this Coverage, we will ensure that the cosmetic appearance is respected. A fault is a fault, but having three different types of tiles because the originals are no longer produced is an unacceptable crime against aesthetics.
Caser will take care of these types of details, within the financial limits established in your policy.
This Coverage is related to damage covered by Breaks, Water Damage, Basic Coverage and Theft Coverages.Exclusions
The light goes out and cannot be fixed for hours. In the midsummer heat, food goes to waste. Sometimes you have just a few items in the fridge, on other occasions you may have enough food to survive a siege. And all this goes to waste. And this has a cost. Caser Home Insurance looks after situations caused by electrical problems and also in the case of a fridge or freezer breakdown, due to a fault with the coolant or due to a storm which breaks your electrical appliances.
In order for the Coverage to apply, the electrical fault must occur for a period of time greater than 6 hours and the electrical appliances must be less than 10 years old.
A few days to relax are a treat for us all. Really being able to relax means being able to switch off from everything. That's why you need an insurance company like Caser, that you can trust to look after you wherever you are. Even if you have to travel for work for a few weeks. Caser Home Insurance protects you and the belongings that you carry with you.
For this Coverage to apply these belongings must be taken from a hotel or rented apartment, a property that you do not own, or a means of transport.
The maximum insured amounts are as follows:
Furniture, to a total of €3000.
Jewelry, to a total of €1800.
Objects of special value, to a total of €1800.
Cash, to a total of €300.
Trips for a duration of over 3 months.
Certain incidents incur additional costs, such as cleaning following a fire or demolition. Caser Home Insurance covers these costs.
As stated in the preceding section, it is possible that a property can suffer damage to the extent that you and your family cannot continue to live in it for a certain period of time. At the time where you have to rent a new property because your own will require prolonged renovation works, Caser Home Insurance will cover the rental costs in accordance with the following conditions.
Civil Liability is the main reason when it comes to taking out a home insurance policy. It guarantees you the security of knowing that, whatever happens, you and your family are protected against third party grievances. Moreover, Caser Home Insurance covers damage caused by your pets. Because they are part of the family.
It can be unavoidable that a water leak will affect your downstairs neighbours, or that your son's baseball practice will affect your neighbours’ windows. In all such cases, in accordance with current legislation in Spain, we will look after compensation for third parties, whether for civil liability or family civil liability, when damage is caused by a family member, and the associated legal costs.
Covers you in any part of Spain or the European Union (provided that the stay is of less than three months), with regard to Spanish law. This will cover any damage by third parties to yourself, your family or your pet.
Moreover, this Coverage protects your household employees in the case of an accident whilst they work in your property.
*Pets are taken to mean dogs (as long as they are not recognised dangerous breeds [link to dangerous dogs Coverage]), cats, rodents kept in a cage, birds, fish and tortoises.
Legal Costs are those costs which are incurred, relating to possible sentences, court fees or legal costs, etc.
Caser Home Insurance also bears the costs of legal representation, if you require a lawyer for allegations relating to the Coverage of this policy.Exclusions
You decide whether you want to include these types of Coverage in your policy or not. Because it's clear that the best person to protect your house is you. You know your needs and those of your house.
If you are a very cautious person who holds every object in your house in high esteem, you will surely want to have comprehensive insurance in place in your home. Because foresight is a virtue that will always bring you peace of mind in the long run. Knowing that your children are free to play in their own house because absolutely everything is under control.
Do you have a boat for weekend fishing trips? Do you prefer to keep your speedboat in the garage than in a marina 500km away? Do you never know where your car insurance ends and your home insurance begins? Then this is the Coverage for you.
We cover the damage that vehicles and vessels can sustain due to fire, explosion or flooding, when they are in a garage equipped with a security system, whether it is a shared space or your own.
Moreover, total loss of the vehicle is covered, which will be governed by the market value [link to glossary] at the time of damage.
An accident clause is the most important part of an accident insurance policy. Caser Home Insurance covers everything - above all, you and your family.
This provision will cover injury (incapacity) or death of the person or persons insured in the case of an accident, within or outside of the home.
Although there is a separate clause for appliances, we know how important certain appliances are in your daily life.
This Coverage looks after damage to you washing machine, television and refrigerator. Repair costs for these appliances are covered, whether they are mechanical or electrical, including parts, labour and tax, when the warranty for the electrical appliances is no longer in place.
The costs of repair may not exceed the sale price of the product.
Your Pit Bull is a playful, loving dog and you know that he would not harm a fly. Nevertheless, for several years, owners of these breeds have been required to have public liability insurance for their pets, as established by Royal Decree 287/2002. With Caser Home Insurance, you can include this clause, remain within the law and anticipate possible damage that your pet can cause.