{"id":1919,"date":"2025-06-24T14:42:34","date_gmt":"2025-06-24T14:42:34","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1919"},"modified":"2025-10-18T10:05:26","modified_gmt":"2025-10-18T08:05:26","slug":"home-and-home-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/","title":{"rendered":"Home and Household Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#Seguros_de_Hogar_y_viviendas_lo_que_nadie_te_cuenta_antes_de_contratarlos\" >Household and home insurance: what nobody tells you before you take them out<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#%C2%BFQue_cubren_los_seguros_de_hogar_y_viviendas\" >What do home and property insurances cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#%C2%BFPor_que_no_basta_con_fijarse_solo_en_el_precio\" >Why is it not enough to look at price alone?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#%C2%BFTienes_perro_%C2%BFElectrodomesticos_%C2%BFCoches_en_el_garaje\" >Do you have a dog, appliances, cars in the garage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#La_ubicacion_tambien_importa\" >Location also matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#El_uso_de_la_vivienda_marca_la_diferencia\" >The use of housing makes a difference<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#%C2%BFQue_son_el_continente_y_el_contenido\" >What are container and content?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#%C2%BFCuanto_asegurar\" >How much to insure?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/#Consejos_para_elegir_el_mejor_seguro_de_hogar\" >Tips for choosing the best home insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_de_Hogar_y_viviendas_lo_que_nadie_te_cuenta_antes_de_contratarlos\"><\/span>Household and home insurance: what nobody tells you before you take them out<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Choosing a good home insurance policy may seem complicated, but with the right information, it's easier than you think. Imagine coming home one day to discover a water leak, burglary or fire - are you prepared to deal with it? This is where the road to peace of mind starts: hiring a <strong>home and home insurance<\/strong> who truly protects you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubren_los_seguros_de_hogar_y_viviendas\"><\/span>What do home and property insurances cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A good <strong>home and home insurance<\/strong> not only protects your home, but also your peace of mind. There are basic covers that include water damage, fire, theft or atmospheric phenomena. But in addition, many insurers allow you to add optional covers adapted to your needs.<\/p>\n<p>You can even take out \"All Risks\" insurance, ideal if you are looking for more comprehensive protection. Just make sure you check the conditions, limits and exclusions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_no_basta_con_fijarse_solo_en_el_precio\"><\/span>Why is it not enough to look at price alone?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Price is important, but it is not everything. Sometimes cheap is expensive. Check what each policy includes and whether it suits your type of home and lifestyle. Insurance that is too generic may not protect you when you need it most.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Your home, safer than ever<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Discover the home insurance that protects what matters most: your peace of mind.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Tu+casa%2C+m%C3%A1s+segura+que+nunca\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFTienes_perro_%C2%BFElectrodomesticos_%C2%BFCoches_en_el_garaje\"><\/span>Do you have a dog, appliances, cars in the garage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many policies allow for the inclusion of additional coverages such as:<\/p>\n<ul>\n<li>Pet Liability<\/li>\n<li>Domestic appliance breakdowns<\/li>\n<li>Garaged vehicles<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"La_ubicacion_tambien_importa\"><\/span>Location also matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If your home is in an unpopulated area, more than 1 or 2 km from an urban centre, the cost of the insurance increases and some companies may not want to insure you. Make sure you correctly indicate where your home is located to avoid problems if you have a claim.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"El_uso_de_la_vivienda_marca_la_diferencia\"><\/span>The use of housing makes a difference<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before taking out a policy, think: what do you use the property for? The insurers adapt the guarantees according to the use:<\/p>\n<ul>\n<li><strong>Regular<\/strong>where you live on a daily basis<\/li>\n<li><strong>Secondary<\/strong>: your holiday home<\/li>\n<li><strong>Unoccupied<\/strong>not used<\/li>\n<li><strong>Rental<\/strong>: rented to third parties (temporary or permanent)<\/li>\n<\/ul>\n<p>If you are a tenant, you can take out insurance only for the contents of the home, such as furniture, clothes and household appliances.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_son_el_continente_y_el_contenido\"><\/span>What are container and content?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The insurance is divided into two parts:<\/p>\n<ul>\n<li><strong>Continent<\/strong>Structure of the house (walls, ceilings, floors, fixed installations such as water, gas, electricity, etc.).<br \/>\nMore on what is the continent<\/li>\n<li><strong>Content<\/strong>Everything inside (furniture, clothes, jewellery, technology...).<br \/>\nWhat does the content cover? Here we explain<\/li>\n<\/ul>\n<p>You can contract both or just one, depending on whether you are an owner or a tenant.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_asegurar\"><\/span>How much to insure?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The value of the building is usually calculated by the insurer according to the constructed metres and the quality of the materials. But you decide the content, because you know better than anyone else what you have in your home.<\/p>\n<p>A good advisor will help you avoid underinsurance, which occurs when you underinsure.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consejos_para_elegir_el_mejor_seguro_de_hogar\"><\/span>Tips for choosing the best home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Compare coverage, not just prices<\/li>\n<li>See optional warranties available<\/li>\n<li>Always check exclusions<\/li>\n<li>Ask an insurance intermediary or advisor for help.<\/li>\n<\/ul>\n<p>At <a href=\"https:\/\/lawebdeseguros.com\/en\/\" target=\"_blank\" rel=\"noopener\"><span data-no-translation=\"\">La Web de Seguros<\/span><\/a> we help you to understand and contract the <strong>home and home insurance<\/strong> that best suits you. Every home is different, and so is every family. That's why we offer <strong>insurance for your home<\/strong> fully customised.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-info\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-info\"><\/i><\/div><p><strong>Do you want to know all the insurance guarantees?<\/strong> <a href=\"\/en\/warranties\/household-insurance\/\">Click here<\/a> for full details of cover, conditions and exclusions.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Protect your home against fire, theft, water damage and more. Peace of mind for you and your family with cover adapted to your home, whether it is your primary or secondary residence.<\/p>","protected":false},"author":2,"featured_media":2495,"parent":1893,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[26],"class_list":["post-1919","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-generales","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1919"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1919\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2495"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}