{"id":2583,"date":"2025-06-27T10:50:31","date_gmt":"2025-06-27T10:50:31","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2583"},"modified":"2025-07-14T14:34:28","modified_gmt":"2025-07-14T12:34:28","slug":"household-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/warranties\/household-insurance\/","title":{"rendered":"Home Insurance Guarantees"},"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\/warranties\/household-insurance\/#Seguros_de_Hogar_y_viviendas_descubre_las_garantias_que_marcan_la_diferencia\" >Home and Household Insurance: discover the guarantees that make the difference<\/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\/warranties\/household-insurance\/#%C2%BFQue_garantias_incluye_un_seguro_de_hogar\" >What guarantees does home insurance include?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/household-insurance\/#Garantias_opcionales_que_pueden_interesarte\" >Optional warranties you may be interested in<\/a><\/li><\/ul><\/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\/warranties\/household-insurance\/#%C2%BFTodas_las_aseguradoras_ofrecen_lo_mismo\" >Do all insurers offer the same?<\/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\/warranties\/household-insurance\/#%C2%BFCual_es_nuestro_consejo_como_expertos\" >What is our expert advice?<\/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\/warranties\/household-insurance\/#Preguntas_frecuentes\" >Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/household-insurance\/#%C2%BFQue_diferencia_hay_entre_continente_y_contenido_en_un_seguro_de_hogar\" >What is the difference between building and contents in home insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/household-insurance\/#%C2%BFPuedo_contratar_solo_algunas_garantias_opcionales\" >Can I take out only some optional guarantees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/household-insurance\/#%C2%BFCuando_es_mejor_revisar_mi_seguro_de_hogar\" >When is it best to review my home insurance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_de_Hogar_y_viviendas_descubre_las_garantias_que_marcan_la_diferencia\"><\/span>Home and Household Insurance: discover the guarantees that make the difference<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There is an extensive range of cover and guarantees that can be taken out in the <a href=\"http:\/\/es.wikipedia.org\/wiki\/Seguro_multirriesgo_del_hogar\" target=\"_blank\" rel=\"noopener\">insurance<\/a> home insurance. This range is growing, as insurers adapt their products to personal and market needs.<\/p>\n<p>Therefore, our first piece of advice is to review your current policy. Don't wait until a claim occurs to check whether your cover and sums insured under your policy are adequate. <a href=\"https:\/\/lawebdeseguros.com\/en\/continent\/\" target=\"_blank\" rel=\"noopener\">continent<\/a> y <a href=\"https:\/\/lawebdeseguros.com\/en\/content-definition\/\" target=\"_blank\" rel=\"noopener\">content<\/a> are appropriate.<\/p>\n<p>If your policy is old, it may not be adapted to your current needs. Taking out a new one doesn't have to mean a price increase, and can give you more protection.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_garantias_incluye_un_seguro_de_hogar\"><\/span>What guarantees does home insurance include?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Generally, the basic guarantees of a home insurance policy cover:<\/p>\n<ul>\n<li>Fire, explosion and lightning strike<\/li>\n<li>Acts of vandalism or malicious acts<\/li>\n<li>Atmospheric phenomena and floods<\/li>\n<li>Smoke, soot, fire or debris damage<\/li>\n<li>Uninhabitability of the dwelling or loss of rents<\/li>\n<li>Replenishment of documents<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Garantias_opcionales_que_pueden_interesarte\"><\/span>Optional warranties you may be interested in<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Insurers also offer optional covers that can make a difference:<\/p>\n<ul>\n<li>Electrical damage and breakage of glass or glass-ceramic hobs<\/li>\n<li>Burglary, robbery, burglary outside the home and theft<\/li>\n<li>Food spoilage in refrigerators<\/li>\n<li>Water damage and 24-hour assistance<\/li>\n<li>Legal defence and civil liability<\/li>\n<li>Breakdown of household appliances<\/li>\n<li>Aesthetic damage, garden and outdoor furniture<\/li>\n<li>Civil liability for potentially dangerous dogs<\/li>\n<li>All-risk warranties<\/li>\n<\/ul>\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\">Does your insurance cover what really matters?<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Review your guarantees and find out how to improve your policy without paying more<\/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=%C2%BFTu+seguro+cubre+lo+que+realmente+importa%3F\" 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%BFTodas_las_aseguradoras_ofrecen_lo_mismo\"><\/span>Do all insurers offer the same?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>No. Although many guarantees may seem similar, each insurer defines its own conditions, exclusions and limits. That is why it is important to read the policy carefully before taking out the policy. A good choice can save you a lot of trouble if a problem arises.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_nuestro_consejo_como_expertos\"><\/span>What is our expert advice?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Always review your current policy before renewing.<\/li>\n<li>Don't just look at price: compare warranties<\/li>\n<li>Ask about optional warranties tailored to your case.<\/li>\n<li>See exclusions for each coverage<\/li>\n<\/ul>\n<p>At <a href=\"https:\/\/lawebdeseguros.com\/en\/\" target=\"_blank\" rel=\"noopener\">The Insurance Web<\/a> we help you to analyse your situation so that you can take out a home insurance policy that is really tailored to your needs. The aim is for you to have peace of mind, knowing that your home and your belongings are well covered.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>What is the difference between building and contents in home insurance?<\/strong><br \/>\nThe building covers the structure of the property; the contents, your belongings inside the home.<\/li>\n<li><strong>Can I take out only some optional guarantees?<\/strong><br \/>\nYes, many insurers allow you to tailor your policy with optional guarantees according to your needs.<\/li>\n<li><strong>When is it best to review my home insurance?<\/strong><br \/>\nIdeally, it should be reviewed every year before renewal, or if you move house or property.<\/li>\n<\/ul>\n<p><!-- Versi\u00f3n HTML estructurada --><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_diferencia_hay_entre_continente_y_contenido_en_un_seguro_de_hogar\"><\/span>What is the difference between building and contents in home insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The building covers the structure of the property; the contents, your belongings inside the home.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_contratar_solo_algunas_garantias_opcionales\"><\/span>Can I take out only some optional guarantees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, many insurers allow you to tailor your policy with optional guarantees according to your needs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFCuando_es_mejor_revisar_mi_seguro_de_hogar\"><\/span>When is it best to review my home insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ideally, it should be reviewed every year before renewal, or if you move house or property.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Home insurance guarantees vary depending on the insurer. They include basic and optional covers that protect your home and belongings. Review your policy frequently and adapt the coverage to your real needs to avoid surprises.<\/p>","protected":false},"author":2,"featured_media":0,"parent":2472,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[27],"class_list":["post-2583","page","type-page","status-publish","hentry","category-garantias","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2583","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=2583"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2583\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2472"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}