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A home insurance policy that covers all your needs
Helpline for MyBox customers:
+34 935 917 951
The same monthly price for the first 3 years3
With our home insurance, it's nothing but advantages
Mybox Home insurance provides maximum protection because it covers the owners of finished homes and tenants for the incidents that occur in the home. As specialists in water damage, we also offer the best cover for this type of incident, plus:
Acts of vandalism by tenants
Comprehensive building guarantee
Replacement of any door locks in the property in the event of key theft
Value-added services such as free annual maintenance for taps, radiators, blinds, windows, etc.
We protect your digital life by adding cybersecurity tools and offering you a remote assistance service capable of resolving all your technology queries, 24 hours a day, 365 days a year.
And if you have a main residence, you can extend your insurance with valuable services like Home Repairs and Digital Assistance.
- Quick and easy to arrange, no need to itemise jewellery (under €400) or special valuables (under €3,000).
- No price increases or impact on the claims rate during the first three years of the policy.
- 5% discount on prepayment for Premier or Private Banking customers.
- In the event of a fault or emergency, no matter what time of day and 365 days a year, call us on 900 50 50 40 or 91 125 98 41, and we guarantee that we will handle your repairs in less than 24 hours: even on Saturdays and Sundays in urgent cases.
- Goods replaced at as new value (main residence).
- For main residences with contents cover, the insurance can be extended with optional coverage.
- Comprehensive protection with the possibility of taking out supplementary insurance, such as MyBox Electrodomésticos and MyBox Mascotas.
Mandatory coverage |
Capital insured | Further information |
Fire, explosion, lightning strike | 100% | |
Effect of sudden heat (non-climate) | 10% | |
Contents robbery |
100% | |
Damage to building and contents due to theft |
100% | |
Cash theft |
Maximum €300 | |
Lock replacement | 1% (min. €360, max. €720) | Minimum €360 - Maximum €720. For theft of keys |
Theft/robbery outside the main residence |
€600 | For main residence only |
Personal documents |
€60 | Includes national ID card, passport and/or driving licence. For main residence only |
Theft in annexed premises: (excluding cash, jewellery/valuables) |
10% | Maximum €6,000 |
Theft from the main residence |
10% | Cash not included |
Water damage | 100% | |
Damage due to fuel leakage in tanks |
100% | |
Forgetting to turn off the water |
100% | |
Damage due to burst pipes caused by frost |
100% |
|
Damage to the Structure. Due to leaking shower, washbasin, etc. | 100% | |
Locating and repairing pipes | €300 | |
Unblocking of pipes | ||
Breakage of glass, marble, sanitary ware, glass ceramics | 100% | Includes sanitary ware, marble and glass-ceramic cooktops |
Weather events (rain, wind, hail, snow) | 100% | Garden furniture not included |
Flooding | 100% | |
Acts of vandalism | 100% | |
Smoke | 100% | |
Impact of objects | 100% | |
Sonic waves | 100% | |
Leaks in the Structure | €600 | |
Acts of vandalism by Tenants | €3,000 | Provided the property is intended to be leased by its owner, whose rental contract complies with the Urban Leases Act |
Discharge and extraction of sludge | 4% | |
Extinguishing, salvage and debris removal costs | 100% | |
Cosmetic damage STRUCTURE |
1% |
Minimum €1,800 - maximum €4,500. If, as a result of an incident, several bathroom tiles have to be replaced, but no replacement tiles with the same shape or decoration can be found, the undamaged tiles will also be replaced to restore the aesthetic harmony |
Document reconstruction | 2% content | Minimum €900 - maximum €3,000. For main residence only |
Electrical damage | 100% structure Electrical appliances 5% |
For electrical appliances Minimum €3,000 - maximum €6,000. Damage caused by short circuit or sudden rise/drop in voltage |
Deterioration of refrigerated food or medications | €300 | For main residence only |
Loss of rents or Uninhabitability of the property | 10% | Maximum 2 years of compensation |
Extensive buildings guarantee (Comprehensive accidental risk) | 100% | |
Extensive furniture guarantee (comprehensive accidental risk) | €1,200 | |
Civil liability: Of the building, contents or user and/or family member. | €300,000 | Extendable to €600,000 and €1,500,000. Damage to third parties inside the property or communal areas, attributable to the insured party |
Assistance in the home | Included | |
Maintenance | Included | More information |
Legal protection | €6,000 | Maximum compensation per annuity |
Optional coverage |
Capital insured | Further information |
Jewellery | 25%, max. €10,000 | Additional jewellery coverage refers to gold and platinum items, pearls and valuable precious stones with an individual value in excess of €400 (if the individual value does not exceed this figure, it is automatically included in the contents capital). The minimum insurable capital sum is €4,000 for jewellery. |
Valuables | 25%, max. €10,000 | Additional coverage for valuables refers to furs, stamp and coin collections, antiques and works of art that do not contain gold or precious stones, as well as silver and ivory items, with an individual value in excess of €3,000 (if the individual value does not exceed this figure, it is automatically included in the contents capital). The minimum insurable capital sum is €8,000 for valuables. |
Garden furniture | 5% | |
Legal Protection | Optional cover for secondary residences (Maximum compensation of €6,000 per annuity) |
The home's contents include jewellery and valuables. Both valuables and jewellery are assigned a maximum capital sum per claim. This means that, in the event of a claim, the compensation to be paid will be equivalent to the amount of the damages, with the maximum amount of the sum fixed for each of them.
Example
Imagine that the total cost of the valuables is €7,800 and the total cost of the jewellery is €4,800. If, due to theft or any other cause covered by the policy, €6,000 in valuables and €3,000 in jewellery were lost, the compensation would be the same as the amounts of the loss, i.e., €6,000 and €3,000 respectively.
With MyBox Home, you can extend the insurance policy with the following optional cover that can be taken out jointly, provided that you take out contents cover and the home is in regular use (for owners or tenants):
Extended coverage |
Further information |
Comprehensive contents guarantee |
New coverage with a first-risk capital of €1,200 |
Theft outside the home | We increase the first risk amount for theft outside the home to €1,200 |
Civil liability of household staff | Extension of civil liability to cover domestic staff (registered with social security) for negligent acts or omissions |
Civil liability for PMVs (personal mobility vehicles) | We cover civil liability for personal mobility vehicles (PMVs), covering the whole family, up to €60,000 |
Repair service | Home repair service with two services per year, of two hours each, in addition to the maintenance service |
Digital assistance service | We keep pace with the digitalisation of the home by offering digital solutions (parental control, configuration of smart devices, etc.) with home assistance (two services/year) and remote assistance (up to five devices) |
With MyBox Home we offer an exclusive guarantee of the best service thanks to our new quality commitments2:
Emergency services3: our technical staff will be with you within 3 hours if you report an emergency that makes your home uninhabitable. | |
Appointments with technical staff4: within 1 hour of your reporting the incident we will liaise with you to arrange an appointment with our technical staff, who will visit you within 24 hours to assess the damage. | |
Appointment with claims adjuster5: appointments on the same day and visits within 24 hours. | |
Claims adjuster’s report6: for claims below €30,000 report submitted within 10 days, subject to all documentation needed to assess damage having been received. | |
Compensation within 48 hours: compensation payment order within 48 hours after receipt of all documentation needed to assess the claim. | |
Quality of repairs7: if you are not satisfied with the repair, the service company will send one of its technical staff. | |
Second opinion: if you report an incident, your claim is rejected and you do not agree with this rejection, the decision will be reviewed and it will be determined whether a technical specialist should be sent. |
If the commitments listed under “Appointments with technical staff”, “Emergency service”, “Appointment with claims adjuster”, “Claims adjuster’s report” and “Compensation within 48 hours” are not fulfilled, you can call 919 917 821 or 900 110 434 to request a review of these commitments and, if applicable, request financial compensation of €2508.