The all-in-one package that your home needs

It covers damage caused by fire, lightning, explosion, atmospheric phenomena, flooding, malicious acts, smoke or soot, impact of animals and vehicles, sonic waves, electrical damage and spillage or leakage from automatic fire-fighting installations.

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.

Exclusions

• Burns when isolated objects fall into the fire
• Accidents in the home related to the combustion of electrical appliances or heaters when they are not caused by breakage of the apparatus. For example, if you leave a heater close to the curtains, the insurance will not cover the damage.
• Explosions caused by unknown substances or unknown appliances which are not part of the usual heating system. For example, boilers or heating appliances that use materials which do not comply to regulations and that have caused an explosion. Always check the quality certificates of the products that you have in the house.

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

• Major damage caused by lack of cleaning in the pipes when at least two days warning was given before the date of the incident.
• Damage owing to humidity or condensation.
• Leaks or damage resulting from a swimming pool or jacuzzi.
• Costs of repairing taps or shut-off valves damaged by the fault.
• Repair of aquariums.
• External plumbing and damage caused by negligence on the premises, for non-compliance with current regulations in force or because materials do not comply with quality standards.

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

• Inherent product deterioration. Scratches or splinters.
• Inherent product deterioration. Scratches or splinters.
• Crockery and kitchen fittings.
• Glass which is part of a greenhouse or covered swimming pool.
• Decorative objects
• Damage sustained during building work, which is the responsibility of the construction company.

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

• Reconstruction of jewelry or valuable objects.
• Reconstruction of other rooms in addition to that in which the damage occurred.
• Swimming pools, trees and plants.
• Objects which are not part of a set.

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.

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.

• Coverage for a maximum of one year. The property must be a like-for-like replacement for your insured property.
• In the case where your damaged property was rented to a third party, who have to leave the property, Caser will reimburse the loss of rent for a maximum period of one year whilst the property is repaired. For the above to apply, the property must be rented under an official contract.

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

• Malicious acts or accidents caused by defiance. Pets are not covered by Civil Liability.
• Non-compliance with current regulation. If you suffer a leak but the damage is caused by poor quality materials, we will not cover the costs.
• Civil Liability of potentially dangerous animals.
• Damage caused in the pursuit of a profession or service within your home.
• Damage caused to the belongings of third parties left in your possession. If your neighbour leaves you their tablet to carry out a task and you break it, we will not cover the costs.

It includes assistance in the event of a claim, as well as certain emergency services and connection with repair professionals. Glaziers, electricians, plumbers...

If, while travelling anywhere in the world, you have a problem, we cover: Medical, pharmaceutical and hospitalisation expenses abroad. Emergency dental expenses, extension of stay abroad due to illness or accident, transport and hotel stay of a companion due to hospitalisation abroad, transfer or repatriation of the sick insured and his/her companion, repatriation of the deceased and transfer of the insured, transfer or repatriation of the insured minors, delivery of medicines abroad, early return due to serious illness, early return due to serious accident or death of a family member, early return due to serious damage to the insured and his/her companion, repatriation of the insured and his/her companion, serious accident or death of a family member, early return due to serious damage to your main residence or business premises, search and location of luggage, compensation for loss, theft or total or partial destruction of checked luggage, the advance of funds, purchase of basic essentials, delivery of documents and personal belongings and reimbursement of cancellation expenses before departure.

This coverage includes both telephone advice services and in-person care at home. Telephone advice consists of comprehensive information for the whole family, to provide advice and guidance on medical, legal, psychological, social and dietary-nutritional issues, completely anonymously and with no limit to the number of calls. On the other hand, in-home care consists of care related to physical and personal care needs (such as personal hygiene, preparation and consumption of meals, getting up, going to bed, household duties, control and monitoring of food and medication), companionship (shopping, formalities, etc.) and night-time assistance and supervision (assistance, personal attention and physical care during the night).

Designed to provide a range of assistance and expenses to the insured in the event that an unforeseen illness or accident prevents them from continuing their trip.

What is this? It is the assistance service that helps to resolve the incidents which take place on a computer for domestic use owned by the insured and also other devices and media in the event of needing to use the data recovery guarantee. Comprises the following services:

• Remote IT assistance for the resolution of incidents related to the use of the insured's computer in his/her home, system configuration and help in the use of applications. Phone support is provided only in those cases in which remote assistance cannot be used.
• Data recovery. Includes the recovery of computer data on a guaranteed support owned by the insured and for domestic use, when these supports have suffered incidents that may prevent normal access to the data contained therein.

The services included in this coverage will be provided in collaboration with specialised companies. The performance of this service when it is not requested via CASER will not give rise to any right to reimbursement or compensation.

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.

Exclusions

• Accessories, GPS systems, technological apparatus and personal belongings in the vehicle at the time of damage are not covered.
• If the vehicle insurance covers accidents in the garage, Caser will not be responsible for the accident.

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.

Exclusions

• Persons under the age of 14 and over the age of 70 are not covered by this clause. Neither are persons with a legally recognised disability.
• Accidents that occur through the practice of extreme sports, scuba diving at depths beyond 20 metres, or relating to the pursuit of a profession or due to a bet or challenge are not covered, nor are those that occur under the effects of alcohol or drugs.

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

• Damage caused by fixtures which do not comply with current regulations in force for electrical appliances.
• Damage which is covered by the manufacturers guarantee.
• Damage caused by wear and tear, for example, a broken cable.
• Appliances or equipment worth less than €60.
• Damage caused by outside or underground equipment - anything which is related to the building, rather than your property.
• Cosmetic defects which do not affect the function of the electrical appliance.
• Damage to bulbs, valves, lamps, neon nights or lighting fixtures.

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.

In addition to the telephone counselling service, this includes expenses up to a certain amount arising from legal, administrative or arbitration proceedings related to the insurance cover.

This is an extension of the previous guarantee, providing cover in addition to the cases indicated in the LEGAL DEFENCE GUARANTEE for the following cases:

• Claims for repair of the cause that produced the damage to the home.
• Claims for defective provision of REFORMABLE WORKS.
• Claims for construction defects.
• Labour claims.

CASER will provide insured parties with the services of qualified professionals for minor maintenance and DIY tasks in the insured home. The tasks include the following:

• Installation of wiring ducts to conceal wires.
• Sealing worn or damaged joints in baths, showers, wash hand basins and sinks with silicone sealant.
• Furniture assembly and installation of shelves.
• Installation of bathroom and kitchen accessories. This does not include plumbing work.
• Replacement of taps, stopcocks that are not built-in, toilet cisterns, flexible connectors, drain/overflow kits for sinks or wash hand basins, and radiator bleeding.
• Hanging of curtains, blinds, pictures, clothes lines, mirrors, wardrobe hangers and rods.
• Installation of ceiling and wall lights, provided there is an electrical outlet.
• Installation of sockets, switches, bells and similar items, provided that the box that houses them or the wiring does not need to be changed.
• Installation of draught excluders and glass in windows with silicone.
• Repair or replacement of non-electric blinds.
• Installation or replacement of door handles, bolts and latches.
• Replacement of hinges in the doors of wooden furniture.
• Installation of corner guards and transition strips for transitions between any type of flooring.

The hourly rate of the professional up to a maximum of 3 hours in the insured home.
You can make a maximum of two requests per policy and insurance year.

Caser provides you with an online access portal, with the following services: protection against cyber attacks (up to 3 devices), location of stolen devices (using an application to locate the stolen mobile device, block it, delete the information or even activate an alarm remotely) and recovery of data from internal memory on digital media, such as tablets and smartphones. The Digital Help also includes "Digital Monitoring", which consists of, up to twice a year, a report on your online presence. And finally, "Erasure of the digital footprint", which consists of the cancellation (erasure) of information relating to your user on the Internet, or opposition to a specific treatment of this information, such as the de-indexing of links in search engines.