Common Accidents at Home

No home is exempt from the appearance of flaws and damage to its structure or elements. Apart from the more serious accidents that rarely occur, in this publication we’d like to highlight the common accidents at home, serious enough to alter the daily routine of families. When this happens, the solution is to quickly call an urgent repair service, although before reaching this point it is advisable to pay attention to the condition of the property and solve the deficiencies when they are still slight.

But it is not enough to fix the damages that occur in the home as soon as possible; proper maintenance of some strategic elements is essential so that the comfort of the house is not truncated when we least expect it.

So, what are the most common accidents at home?

Front door locks

One of the most frequent issues occurs right at your front door… As soon as we insert the key and notice some resistance to opening or closing, it is best to change the lock before the day comes when the key breaks due to excessive force or it is not possible to enter the house. The breakage of this element is quite common in most houses due to the wear they suffer over time, due to closing normally by slamming the door, etc.

Power failures

Power failures or power outages are also a fairly common problem. The most common causes are failures in the plugs or sockets, so normally you have to call a specialist to fix it. Sometimes the power control switch is simply disabled, commonly referred to as "blowing a fuse," because we have plugged too many electrical appliances into the outlet and overstepped the electrical power limit. To do this, you have to unplug an appliance, go to the electrical panel and turn up the switch or switches that have been disabled.

Damage to electrical appliances

Without a doubt, electrical appliances are the main source of breakdowns in a home. The most normal thing is that they are electrical damages in electrical appliances, especially in heaters, washing machines, refrigerators, vitroceramics, air conditioners, electric radiators, etc., since they suffer a lot from wear and tear. Do not think that it is better to buy a new one than to fix it, since it is not always the case. Before making that decision, contact specialists in the repair of electrical damage or Caser Home Insurance. When they break down continuously, it is preferable to replace them with more modern ones.

Water damage

Plumbing and moisture mishaps also have the honor to belong to the category “common accidents at home”. The causes can be very varied, from improper ventilation of spaces to damage to the structure or pipes. In this case, the most appropriate solution is to request the services of professionals to determine the origin and eradicate the problem.

Taking into account that almost all rooms in a home need this system to work properly, breakdowns range from jammed pipes in the bathroom or kitchen, a dripping tap, a failure of the heating system, etc. Therefore, if the DIY-care does not give results, the assistance of the plumbers is mandatory.

Damaged boilers

The water might be running correctly, but without a working boiler we are left without heating and without hot water. It is not the most common, since the boilers are well maintained through mandatory periodic reviews, however, they must be taken into account. Normally they are failures in the pump or a flaw in the safety valve. For this, you must call the technical service.

These are just some of the most common breakdowns, but unfortunately the range of possible problems reaches beyond this selection. We hope that none of this happens in your homes, but if so, do not hesitate to call professionals so that the repair is quick and so as not to cause greater damage. If you're searching for the best professionals and coverage options to cover a range of home accidents, look no further than Caser Expat Insurance. 

What does Caser Home Insurance cover?

With Caser Home Insurance, you choose between 3 different levels of protection: Hogar Esencial, Hogar Integral, and Hogar Prestigio. 

• Hogar Esencial is our lowest tier coverage, with basic coverage for fire, lightning, explosion, atmospheric phenomena, flooding, water damage, theft, breakages, aesthetic restoration, civil liability, home assistance, Bricocaser Service - Handyman, computer assistance, and legal advice. Optional coverages include vehicles or vessels in the garage, personal injury caused by accident, and amayores. 
• Hogar Integral is our mid-level coverage which maintains all of the same coverage as Hogar Esencial (excluding legal advice), and adds to it coverage for food spoilage, travel assistance, legal defence, digital help, and optional coverages for all risks material damage, electrical damage, civil liability for dangerous dogs, comprehensive legal defence.
• Hogar Prestigio is our highest level of home insurance and goes one step further than Hogar Integral by adding coverage for all risks material damage, comprehensive legal defence, and VIP travel assistance. 

Furthermore, if you have a second home in Spain, you can gain coverage via our holiday home insurance, Yavoiyó:

• Yavoiyó holiday home insurance provides basic coverage for fire, lightning, and explosion, weather phenomena, flood, malicious acts, smoke or soot damage, damage caused by collision with animals, and land, sea, and air vehicles, sonic waves, electrical damage, spillage or leakage of fire protection installations; water damage; burglary; breakages; aesthetic restoration; food spoilage; third party liability; home assistance; Yavoiyó Home inspection or cleaning, key pickup service, and claims for illegal occupancy of the home (squatting); in additional to other services and optional coverages. 

Of great interest in Spain, due to a large number of squatters (okupas) and strict protections for squatters, is Yavoiyó. This provides you with an anti-squatting service, capable of detecting  if someone opens the door of your second home, giving you peace of mind when you are away. 

If you're wondering about specific home accident coverage with Caser insurance, don't hesitate to reach out to one of our agents. We will be happy to assist you in getting the customized coverage you need. You can also download the free guide below which will assist you in choosing the right home insurance in Spain: