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Home insurance simulator

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Requirements for purchase

Before calculating the cost of your home insurance with Línea Directa Aseguradora, you must check that your property meets the following requirements, because otherwise, we cannot offer you the insurance:

  • The property must be located in Spain.
  • You must live at the property at least 15 days a year.
  • The property must be located in a town or city or at most 1km away from a town or city or from the nearest property. A town or city is deemed to be an urbanised area with all public water, lighting, sewage and telephone services.
  • The property must not be used for industrial and/or illegal activities.
  • The contents used in professional activities must not exceed 25% of the total capital of the insured contents.
  • The building in which the property is situated must not be under construction or reconstruction or have any structural weaknesses (conversion). Conversion is a problem that affects concrete, causing it to lose its properties, making it less resistant and endangering the building's stability.
  • The property must be built mainly with solid, non-combustible materials and it is not a prefabricated property and/or caravan.
  • The property must not be sub-let, rented by room or occupied by multiple tenants or students.
  • The property must not belong to the State or to public bodies or natural or legal persons that engage in real estate activities.