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Home Insurance Against Fire, Explosion, and Smoke
Fire is a risk that cannot be fully controlled, even with maximum caution. A short circuit in a neighbor’s flat or a boiler malfunction can leave you homeless in minutes. Standard policies often hide low payout limits or ignore damage caused by corrosive smoke that permeates the entire building. Our solution guarantees full financial restoration of your home and compensation for third-party damages, ensuring that one accident doesn't lead to a lifetime of debt.
Guaranteed Protection
Suitable for apartment owners, townhouse owners, and tenants. The policy covers direct fire damage, firefighting consequences, and domestic gas explosions.
Clear Pricing
From €12 to €25 per month. The final cost depends on the square footage and the chosen limits for personal belongings, electronics, and furniture.
Instant Issuance
The policy is processed remotely in 15 minutes. You receive your digital certificate via email immediately after payment, with coverage starting on your chosen date.
In 2026, safety regulations in Spain have become stricter, and insurance companies have updated their payout protocols. It is no longer enough to insure just the “bricks and mortar.” For a policy to be truly effective during a serious incident, it must account for factors like aesthetic damage to the building or the need for temporary relocation. Correctly valuing your contents is vital: underestimating this amount leads to a proportional reduction in payouts, an issue we help you avoid during setup.
- Third-party liability inclusion of at least €300,000 to cover neighbors’ claims.
- Coverage for smoke damage, even if the fire originated outside your property.
- Payment for professional cleaning services and debris removal post-incident.
- Compensation for hotel accommodation costs if the home becomes uninhabitable.
Agent's opinion "Many forget that in a shared building, the biggest damage is often caused by the water used to put out the fire and the soot left on furniture. Ensure your policy includes 'aesthetic restoration' clauses; otherwise, the insurer might only pay to fix one burnt patch rather than repainting the entire room to match."