The different underwriting types offered by this policy provide a full range of
guarantees and services that are adapted to the special coverage needs of houses,
both principal and second homes, whether it is a flat or a semidetached or detached house.
Material damages
Repair or replacement of the insured goods as a consequence of damages caused by fire, explosion,
lightning, freezing, storms, total destruction, theft, vandalism and street mugging… and the costs
directly related to this claim.
Third-party liability
Third party compensation for damages and/or losses caused by the insured party when they are
civilly liable.
Services
This area includes domestic emergencies, home assistance, legal advice and protection, a medical
hotline and homecare service, Remote Computer Assistance and Computer Data Recovery.
Using these services is as simple as making a single telephone call.
Policy types
Allianz Hogar offers the easiest way to insure your home. Our policies are adapted to your needs and
have the broadest and most complete coverage on the market. You can choose between:
Standard:
Especially designed for flats, semidetached houses and houses in towns that are up to 150 m2. There are
predetermined lump sums in accordance with the square metres of the home. It does not apply any
proportional rule to the building or furnishings.
Tailor-made:
Suitable for any type of home. Clients value the financial sums required after studying their specific
needs. It does not apply any proportional ruling as long as the insured party accepts or modifies any
valuation increases in the building or furnishings recommended by the company depending on the risk area.
Loss of rent insurance can also be covered.
All risk accidental material damage:
Valid for any type of principal residence with
minimum capital insured. It provides all risk coverage
and does not apply any average clause to the building
or furnishings.
New coverages.
ALL RISK ACCIDENTAL MATERIAL DAMAGE
Allianz offers the most extensive coverage on the
market with this policy type.
The following are covered by the All Risk Accidental
Material Damage guarantee: ’all unforeseen,
accidental and sudden events or beyond the control of
the insured party.’ There are general exclusions that
are detailed in the policy (i.e. simple losses or
mislaying of items, landslides, etc.).
The All Risk Accidental Material Damage guarantee has
a deductible of 150€.
LOST OF RENT INSURANCE
Allianz adapts its products to new needs in our day-today
lives. Thus, in a changing market segment as home
insurance, we have included an optional coverage to
assist in the cases where rents are not paid. This option
not only covers any damages that the rented home
could undergo, but also any financial loss which might
be incurred in the case of unpaid rent by tenants.
MORE SERVICE BENEFITS
Allianz, with its new home product, offers the widest
range of service provisions on the market:
• Domestic emergency and assistance service.
• Legal advice and protection.
• Medical telephone line open 24 hours a day, 365
days a year.
• Homecare service: makes it easier for clients to
underwrite all types of services for young and
dependent members of the family (cleaning
services, nursing, old people’s homes, etc.).
• Remote Computer Assistance and Computer Data
Recovery.
Quality commitment.
At Allianz we want to satisfy our clients’ needs and we therefore commit to
providing a care service that provides efficient personalised service with
the highest quality available.
We commit to fulfilling the following service timelines
from your first telephone call when you notify us about
the incident:
• In less than 1 hour, we will make an appointment
for a professional to visit you at your home.
• In less than 24 hours, a professional will visit you at
your home. When the next day is a holiday the
visit will be made on the next business day.
And if we fail to do this, we will refund your money.
If we do not fulfil these timelines, we will credit you
with the equivalent of the annual premium paid in the
year of the claim notification on the invoice for the
following year’s policy.
This compensation can only be received once for each
annual period of the insurance policy and will not be
awarded in cases where the failure to act within the
agreed time periods is due to force majeure, not
attributable to the company.
How much does it cost?
As you know, there are different factors
that affect the final price of the
insurance policy depending on the:
Risk situation.
The location of the home as determined by the postcode,
expressly statingwhether it is located in a housing
complex that ismore than 500metres fromthe city centre.
Type of home.
The price is affected by the year of construction and
square metres. The type of building is also taken into
account (block of flats, semidetached or detached
house, etc.).
Use.
Primary, secondary or secondary with the primary
insured with Allianz.
Protection.
Indicate the protection systems/measures that your
home has in place.
Complementary civil liability to be underwritten.
For the ownership of any breed of dog or for practicing
hunting or fishing.
Payment method and instalments.
The payment method is annual, with the option of
making instalment payments each semester. For
greater convenience, we recommend that it is paid by
direct debit, which also enjoys a discount.
In order to calculate the premium of your Home
Insurance and obtain a personalised quote, please
contact your Allianz agent.
