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Property Insurance Against Burglary and Theft
Most basic home insurance policies in Spain only cover structural damage, leaving your personal belongings without real protection during a break-in. When thieves take expensive electronics or jewelry, standard coverage often falls short with minimal payouts. We offer a solution focused on full compensation for the value of stolen goods and home restoration after a burglary, including lock replacement and repair of damaged doors.
Suitable?
Apartments and Houses
Policies are tailored for urban apartments and suburban villas alike. Protection applies to both forced entry and internal vandalism.
Policies are tailored for urban apartments and suburban villas alike. Protection applies to both forced entry and internal vandalism.
Price?
From €120 to €250 / year
The final cost depends on the value of the contents and the security measures installed. No hidden fees or commissions.
The final cost depends on the value of the contents and the security measures installed. No hidden fees or commissions.
How fast?
24-Hour Activation
The policy is issued remotely. Coverage begins the day after the contract is signed and the first premium is paid.
The policy is issued remotely. Coverage begins the day after the contract is signed and the first premium is paid.
In 2026, insurance companies have tightened security requirements for residential properties. Simply locking the door is no longer enough to guarantee a full payout. It is vital to distinguish between “burglary” (robbery with force) and “theft” (larceny without force), as they carry different compensation limits. For the policy to work in your favor, the presence of armored doors, window bars, and alarm systems must be accurately documented. We help you create an inventory of valuables so that the insurer has no legal grounds to reduce the claim amount.
Mandatory Protection Parameters:
- Coverage for jewelry and cash kept inside the home.
- Compensation for damage to interior decor and furniture during a break-in.
- Emergency lock replacement and entry point repair on the same day.
- Coverage for muggings of family members outside the home.
- Legal assistance for filing police reports and handling claims.
Agent's opinion "Many people forget that leaving keys in the lock on the inside or a window open can be classified as negligence, leading to a denied claim. In 2026, we recommend installing opening sensors even on windows that seem inaccessible, as this significantly increases the chances of a full reimbursement without disputes from the insurance adjusters."