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All the services you never imagined
DIY service
Water damage
IT support
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Damage to the home and its contents
Damage to the home and its contents
- Fire, domestic accidents due to the action of heat, explosion, self-explosion and direct action of lightning
- Extreme weather phenomena
- Vandalism
- Damage from smoke or soot
- Impact of animals and vehicles
- Falling sonic waves
- Water spill damage that includes plumbing and/or masonry costs to locate and repair the fault
- Extraordinary risks (insurance compensation consortium)
See
Additional costs
Additional costs
- Leakage from fire-extinguishing systems
- Temporary removal of the insured items
- Costs for salvage, debris removal, sweeping and replacing keys and locks
- Costs for renting housing or temporary accommodation
- Loss of rent
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Robbery and theft
Robbery and theft
- Robbery and damage caused by robberies and theft (inside the home)
- Break-in inside the property
- Theft outside the home
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Other damage to the home
Other damage to the home
- Accidental breakages of glass, windows and mirrors
- Pipe breakage with no damage caused
- Excess private water consumption by the insured property
- Breakages of marble, granite and sanitary ware
- Electrical damage
- Refrigerated items
- Damage to garden or trees.
- Cosmetic repairs
See
Civil liability and legal defence/claim costs
Civil liability and legal defence/claim costs
- Third-Party Liability/Bonds and deposits
- Family legal defence/damage claim
- Internet legal defence.
- Online privacy protection
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Home assistance and other services
Home assistance and other services
- Home assistance
- DIY service
- IT support
Single insurance account
The perfect formula: add insurance policies, multiply your peace of mind.
We've come up with the perfect formula to group all your insurance premiums into a single payment.
Work out how much you could save with our Single Insurance Account calculator.1
Any more questions about home insurance?
See Interest hedge Interest hedge
Liberty Seguros Home Insurance is designed exclusively for Bankinter customers.
This insurance offers you the peace of mind of knowing that both the structure and the contents of your home are protected against any potential damages. Home Insurance also protects you against possible claims that could be brought by third parties for material or personal damages.
However, what makes Liberty Seguros Home Insurance stand out are the services it offers, services that go beyond the scope of home insurance and that will make your life a little easier.
Main guarantees:
- Fire, domestic accidents due to the action of heat, explosion, self-explosion and direct action of lightning
- Extreme weather phenomena
- Vandalism
- Damage from smoke or soot
- Impact of animals and vehicles
- Falling sonic waves
- Leakage from fire-extinguishing systems
- Water spill damage that includes plumbing and/or masonry costs to locate and repair the fault
- Pipe breakage with no damage caused
- Excess private water consumption by the insured property
- Accidental breakages of glass, windows and mirrors
- Breakages of marble, granite and sanitary ware
- Robbery and damage caused by robberies and theft (inside the home)
- Break-in inside the property
- Theft outside the home
- Electrical damage
- Refrigerated items
- Temporary removal of the insured items
- Costs for salvage, debris removal, sweeping and replacing keys and locks
- Costs for renting housing or temporary accommodation
- Loss of rent
- Damage to garden or trees.
- Cosmetic repairs
- Third-Party Liability/Bonds and deposits
- Home assistance
- Family legal defence/damage claim
- DIY service
- Internet legal defence
- Online privacy protection
- IT support
- Extraordinary risks (insurance compensation consortium)
See Conditions Conditions
Requirements for the property:
Before asking about the cost of insuring your home with Liberty Seguros, check that it meets the following requirements:
- The property is in Spanish territory.
- It is not a second home in an unpopulated area which is continuously unoccupied for more than 30 consecutive days a year or at weekends.
- It is not left vacant for more than 180 consecutive days per year.
- The property is in an urban centre or no more than 1 km from an urban centre. This distance will be measured based on usable roads for road traffic. An "urban centre" refers to an urban area with all public water, lighting, sewage and telephone services.
- The property is not intended for industrial and/or commercial activities.
- Content for professional activities does not exceed 25% of the total insured content.
- The property is not under construction or undergoing major renovation and has all of the building and occupancy licences and/or permits.
- The property is made up of external walls, a roof and a load-bearing structure made out of solid and non-combustible materials, and it is not a motorhome, caravan and/or trailer-home.
- The property is not a timeshare, and is not intended for room rentals or sublets, nor is it a property intended for holiday or tourist rentals.
- The property is not a unique and/or listed building of artistic or historical interest.
IMPORTANT INFORMATION
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Show/Hide legal text1 Single Insurance Account at Bankinter, S.A. Credit facility designed to finance the payment of Insurance Premiums for which a direct debit has been set up in the Associated Account or in another Bankinter Account and registered in the Single Insurance Account. The credit facility is subject to prior approval by Bankinter, S.A. and can only be used to pay insurance premiums for policies registered in it.
The credit facility is subject to prior approval by Bankinter, S.A.
To benefit from the bonus, you must include two insurance policies with a minimum annual premium of €120 per policy. The maximum percentage bonus is 10%. This bonus percentage depends on the number of insurance policies associated with the Single Insurance Account: 1: 0%. 2: 2%. 3: 3%. 4: 4%. 5: 5%. 6: 6%. 7: 7%. 8: 8%. 9: 9%. 10: 10%.
The following insurance products arranged through Bankinter, Operador de Banca Seguros Vinculados, can be included in the Single Insurance Account: Individual Risk Life Insurance, Home Insurance, Individual Health Insurance and Funeral Insurance (periodic premium).
Bankinter, S.A., Operador Banca Seguros Vinculado, with registered office at Paseo de la Castellana 29, 28046 Madrid, entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax Identification Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, distributes Life Risk Insurance of the company Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros, Seguros de Hogar de las Compañías: Generali Seguros y Reaseguros, S.A., Occident GCO, Sociedad Anónima de Seguros y Reaseguros and Línea Directa Sociedad Anónima Compañía de Seguros y Reaseguros; annual renewable Funeral Insurance from the company Bankinter Insurance Generales, S.A., of Seguros y Reaseguros; and Individual Healthcare Insurance from the company Mapfre España, Compañía de Seguros y Reaseguros, S.A. It has arranged the civil liability insurance required by Article 152 of Royal Decree-Law 3/2020, of 4 February, on urgent measures by which various European Union directives are incorporated into the Spanish law in the field of public procurement in certain sectors; private insurance, pension plans and funds, taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions listedhere.
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Show/Hide legal textBankinter, S.A., as the related banking insurance operator, with registered office at Paseo de la Castellana 29, 28046, Madrid, recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of Tax ID Number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madrid), http://www.dgsfp.mineco.es with code OV-0028, distributes Home Insurance from the company Generali Seguros y Reaseguros S.A. Bankinter, S.A. and has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions listed here.
-
Show/Hide legal text1 Single Insurance Account at Bankinter, S.A. Credit facility designed to finance the payment of Insurance Premiums for which a direct debit has been set up in the Associated Account or in another Bankinter Account and registered in the Single Insurance Account. The credit facility is subject to prior approval by Bankinter, S.A. and can only be used to pay insurance premiums for policies registered in it.
The credit facility is subject to prior approval by Bankinter, S.A.
To benefit from the bonus, you must include two insurance policies with a minimum annual premium of €120 per policy. The maximum percentage bonus is 10%. This bonus percentage depends on the number of insurance policies associated with the Single Insurance Account: 1: 0%. 2: 2%. 3: 3%. 4: 4%. 5: 5%. 6: 6%. 7: 7%. 8: 8%. 9: 9%. 10: 10%.
The following insurance products arranged through Bankinter, Operador de Banca Seguros Vinculados, can be included in the Single Insurance Account: Individual Risk Life Insurance, Home Insurance, Individual Health Insurance and Funeral Insurance (periodic premium).
Bankinter, S.A., Operador Banca Seguros Vinculado, with registered office at Paseo de la Castellana 29, 28046 Madrid, entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax Identification Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, distributes Life Risk Insurance of the company Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros, Seguros de Hogar de las Compañías: Generali Seguros y Reaseguros, S.A., Occident GCO, Sociedad Anónima de Seguros y Reaseguros and Línea Directa Sociedad Anónima Compañía de Seguros y Reaseguros; annual renewable Funeral Insurance from the company Bankinter Insurance Generales, S.A., of Seguros y Reaseguros; and Individual Healthcare Insurance from the company Mapfre España, Compañía de Seguros y Reaseguros, S.A. It has arranged the civil liability insurance required by Article 152 of Royal Decree-Law 3/2020, of 4 February, on urgent measures by which various European Union directives are incorporated into the Spanish law in the field of public procurement in certain sectors; private insurance, pension plans and funds, taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions listedhere.