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Home insurance
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Home insurance simulator

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Requirements for purchase

Before asking about how much insuring your home with Liberty Seguros will cost, please check that your property meets the requirements below. If it does not, we will not be able to offer this insurance to you:

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 further than 1km 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 it is a property intended for holiday or tourist rentals.
The property is not a unique and/or listed building of artistic or historical interest.

Does the property to be insured meet these requirements?

Select if the home meets the following requirements

Yes

Definition of security measures

Please always bear in mind that the security measures that you selected when taking out the insurance will be the security measures taken into account if you need to make a claim. If they have not been activated or if you have not taken out the right insurance, this may result in your claim being rejected.

Theft protection systems:

The Policyholder declares, under penalty of losing the right to compensation in case of a claim, that the insured assets are protected by the systems detailed below at the very least. The risk was accepted based on the existence of said systems.

Second homes (flats or ground-floor apartments, single-family homes or chalets):

Solid doors that may be made of wood, PVC or solid metal, or an armoured door, fitted with a security lock in all cases.
Windows and entrances equipped with iron bars fixed to the wall or an alarm connected to a security or police switchboard.

Regular homes (flats or ground-floor apartments, single-family homes or chalets) when they include the additional jewellery/valuables guarantee:

Solid doors that may be made of wood, PVC or solid metal, or an armoured door, fitted with a security lock in all cases.
Windows and entrances equipped with iron bars fixed to the wall or an alarm connected to a security or police switchboard.

The other properties are treated as being equipped with protective systems.

What is meant by an "Armoured Door"?

Metal doors more than 45 mm thick or wooden doors with armour plating.
Armour plating with two steel sheets more than 1.5 mm thick connected via metal sections welded to them around the entire perimeter of the door.
It must have at least three hinges with a diameter equal to or greater than 15 mm.
A peephole with a 120-degree lens that cannot be removed from the outside.
One-piece steel frame, connected to the frame and the door head by pins at least 80 mm wide, attached to the building by screws measuring 20 mm long and 10mm thick all around the frame every 25 cm.
At least three security pivots.
High-security lock (five locking points, seven pistons and seven levers).

What is meant by "Bars"?

The bars must be made out of iron and fixed to the wall, with a maximum separation of 15 cm between the individual bars.

What is the building?

All of the following:

Walls, ceilings, floors, doors and windows of the insured property and, if any, storage rooms, garages and parking spaces located in the same building as the property or attached to it.
Fixed installations, which are part of the insured property and are exclusively used by the insured party, for heating (including boilers, heaters, storage heaters and radiators) and refrigeration or air conditioning; water, electricity and gas; sanitary facilities, including bathing sanitaryware, sinks, fixed screens, sinks and similar types of installations, typically found in kitchens, bathrooms and utility rooms; telephone lines and security systems or devices.
Fencing, gates, walls and any other enclosure construction that marks out the border between the insured property and pavements and roads, located on the plot of the insured single-family home.
Permanent sports installations, swimming pools and recreation areas.
Fixed radio and television antennas, as well as awnings, blinds, shutters and any other installed closure system, solar panels and streetlights.
Decorative fittings (such as paintings, wallpaper, plaster, canvases, carpets and parquet flooring), provided that they are attached to the floors, ceilings and/or walls. However, bookcases and fixed facings made out of wood or non-construction materials, which have been put in place in the property on the original walls, will be treated as content for the purposes of this insurance policy.
Trees, plants and other garden fixtures, if there are any. These items are covered as per the provisions of paragraph 8.4. of the insurance policy.

For jointly owned property, the insurance policy covers the part corresponding to the insured party's ownership share, provided that no joint insurance has been taken out by the co-owners or if this joint insurance is insufficient.

When valuing the property, only the costs of reconstructing or restoring it with similar or equivalent materials when the same materials cannot be used will be taken into account, without taking into account the repercussions of the site and irrespective of the commercial value that it may have.

Modifications made to the property in order to adapt it for use by disabled people are included.

If you have a mortgage loan, the value of the Structure will be the value indicated in the appraisal as the insurance value. If you do not, you must indicate the reconstruction value of the building and its installations

What are the contents insurance?

All items owned by the insured party, family members and other people who usually live in the insured property, including, among others, the following objects:

Furniture; personal belongings and household goods, including objects plated with precious metals and costume jewellery; tools and equipment required for home repairs, including DIY and garden tools; electrical appliances and image, sound and electronic devices; ceramic hobs; ornaments and home decorative items, including wall lights and lamps even when they are fixed to the walls or ceilings; and groceries and supplies for consumption by the insured party and their family.

They must be valued based on the cost of restoring them or replacing them with other new items with equivalent characteristics and benefits, except for items where a different valuation criterion has been established in this insurance cover.

Furniture and professional equipment when professional activity is carried out in the property and provided that it is still mainly used as a residence.
Jewellery, with the following items treated as such:
- Items fully or partially made out of precious metals, for the purpose of personal adornment.
- Precious or semi-precious stones, whether or not they are set, and pearls, for the purpose of personal adornment.
Valuables, with the items and objects listed below treated as such:
- Works and pieces of art (paintings, antiques and limited-edition series) and craftwork; ivory.
- Carpets and rugs, which have an individual value of over 1,800 euros.
- Silverware and other items made fully or partially out of gold and/or silver, which are not treated as jewellery as they are not intended for personal adornment.
- Precious furs.
- Stamp and/or coin collections. As a combined whole, these collections are treated as a single object.
- Precious-metal bars.

Collections and objects of artistic or historical value will be valued based on their price on the corresponding specialised market.

Provided that they are included within the content cover, jewellery and valuables are automatically covered up to 15% of the content value, up to a maximum of 6,000 euros and 1,800 euros per individual item.

Definition of jewellery

"Jewellery" will refer to:

Items fully or partially made out of precious metals, for the purpose of personal adornment.
Precious or semi-precious stones, whether or not they are set, and pearls, for the purpose of personal adornment.

This section should only include capital for jewellery with an individual value of more than €1,800.

If you have jewellery with an individual value of less than €1,800, you must include this capital in the insured content section, along with your other belongings, goods and furniture.

The stated value of the jewellery will only be covered once the property has protections.

Definition of valuables

The following items are treated as valuables:

Works and pieces of art (paintings, antiques and limited-edition series) and craftwork; ivory.
Carpets and rugs.
Silverware and other items made fully or partially out of gold and/or silver, which are not treated as jewellery as they are not intended for personal adornment.
Precious furs.
Stamp and/or coin collections. As a combined whole, these collections are treated as a single object.
Precious-metal bars

This section should only include capital for jewellery with an individual value of more than €1,800.

If you have valuables with an individual value of less than €1,800, you must include this capital in the insured content section, along with your other belongings, goods and furniture.

The stated value of the valuables will only be covered once the property has protections.

Calculate buildings and contents

Square meters of the home

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Number of rooms

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Quality of the home
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Please select the property type

To have informed data, we recommend that you state the following amounts:

Buildings
Contents

Definition of safe

A safe is deemed to have the following characteristics:

It is built out of tempered steel and reinforced concrete or another combination that, thanks to its characteristics, provides at least the same resistance to penetration or fire.
For closing up the safe, it has a lock and a combination pin or two locks or two combination pins that control locking latches that lock up the safe.
Safes weighing less than 100 kilograms must be properly locked to the ground or embedded in the wall.