What type of home insurance does Allianz offer?

Allianz provides various types of home insurance for you to choose from, catering to your specific needs. There are four types, ranging from Basic + Theft coverage that includes civil liability to All Risk, one of the most complete home insurance options in the market. You can view the different coverages in our comparison chart.

What do I need to do if I have an incident at home?

Your first step should be to implement necessary measures to minimize the impact of the incident, always prioritizing safety considerations. After taking these precautions, get in touch with your Allianz Advisor to inform us. If you need home assistance, you can also contact us at the following phone number:

I'm interested in getting a home insurance policy for my property, but my mortgage provider insists that I must insure my property through them. Is this accurate?

When you secure a mortgage to purchase a property, the financial institution will require you to obtain an insurance policy covering at least third-party fire and theft, with a minimum coverage amount equal to the mortgage value, possibly in exchange for a reduction in the applied interest rates. However, you are not obligated to purchase insurance directly from the company they recommend. You have the flexibility to choose any insurance provider and simply provide a copy of the policy to your mortgage provider.

Home Insurance ALLIANZ® | Expat Insurance in Spain

Allianz home insurance coverages

	Basic + theft	Plus	Extra	All Risk

Fire explosion, smoke and total ruin

Natural phenomena

Expenses of aesthetic restoration				Up to 2.000.000 €

Theft and damage due to theft

Electrical damage	Up to 500 €	Up to 1.500 €

Breakages of windows, marble, sanitary ware, and glass-ceramic cooktops	Up to 500 €	Up to 1.500 €

Food spoilage	Up to 500 €	Up to 1.000 €

Expenses of aesthetic restoration	Up to 1.000 €	Up to 3.000 €	Up to 12.000 €	Up to 12.000 €

Civil liability	Up to 300.000 €	Up to 2.000.000 €	Up to 2.000.000 €	Up to 2.000.000 €

Pipe breakage		Up to 300 €	Up to 1.000 €	Up to 1.000 €

Robbery inside the insured property		Up to 300 €	Up to 5.000 €	Up to 5.000 €

Robbery outside the insured property		Up to 1.500 €	Up to 2.600 €	Up to 2.600 €

Preventive unclogging (single-family)			Up to 500 €	Up to 500 €

Replacement of locks due to theft of keys

Allianz home insurance coverages

Basic + theft

Plus

Extra

All Risk