Descubre los seguros de hogar más baratos
have a home insurance It is not mandatory, unless your home is mortgaged. Even so, it is recommended since it is a good method to protect yourself against any unforeseen event inside or outside the home.
Besides the price, There are several factors to take into account when purchasing insurance.. Coverage will vary depending on the claims that occur in the home. Having good insurance can avoid the impact of large unexpected expenses.
Find cheap home insurance no siempre es fácil, por eso es recomendable tener muy claro qué se va a asegurar y comparar todas las ofertas para elegir la mejor relación calidad-precio.
types of home insurance
No existe una clasificación clara y estandarizada de los diferentes seguros de hogar que existen en el mercado, pero se pueden agrupar en tres grandes categorías debido a las coberturas que suelen incluir las pólizas:
- Essential
Generally, it covers fire or explosion damage, theft, theft, plumbing repairs, flood damage, broken glass and glass-ceramic panels. Additionally, it may include in-home assistance and sometimes limited legal defenses. It is the easiest and often cheapest insurance the company offers.
- Intermediate
It includes the coverage that we usually find in a basic home and adds some additional coverage such as civil liability, aesthetic damage, home assistance and legal defense. It belongs to the mid-range of home insurance, the price is usually higher than that of the basic policy.
- Complete and multi-risk
It is the most complete insurance that is usually offered. This includes extra guarantees such as maintenance of computer equipment, repair of household appliances or DIY service.
Digital home insurance
He home insurance It is born from the need to protect the house from damage to the structure itself or to the goods that are inside it. In short, its purpose is to financially protect the home from possible risks.
Hiring insurance is a complicated and tiring decision, sometimes forced, and in many cases we don't know if we really need one, or how to hire it.
As a result of the indecision of many people when it comes to hiring a home insurance y la incomodidad de los largos procesos de llamadas y papeleo que esto supone, la tecnología ha transformado la industria de seguros a lo largo de los años. Las aseguradoras están aprovechando la tecnología para reducir el riesgo, impulsar el compromiso del cliente y brindarles la mejor experiencia y tranquilidad.
In many cases, they seek to take advantage of the technology that is already connected in many homes and facilitate processes so that everyone can access cheap home insurance, digital and simple.
Luko, the digital 100% home insurance
luko is presented as the revolution of the home insurance. It is digital 100% so you can manage everything from your mobile, there is no permanence so you can leave whenever you want. They also take care of your old insurance and above all they are transparent, no paperwork or incomprehensible words.
you can hire your home insurance from €6 per month, making it a very affordable home insurance option. It has different types of insurance:
- Home insurance
He seguro de hogar básico solo es necesario si tienes una hipoteca. No es obligatorio si eres dueño de una casa pero no tienes un préstamo bancario. Sin embargo, es muy recomendable que alquiles uno, ya que tendrás que pagar si hay algún accidente en tu hogar.
- Liability insurance
When we talk about civil liability guarantees, we are talking about guarantees that cover all the damage that you can cause in the home of a third party. Imagine a leak in your house, causing your neighbor's walls to be wet. In this case, it will be your responsibility and therefore you should bear all costs. If you have home insurance, it will cover you since it is one of the basic coverages.
- renters insurance
He seguro de propietario de vivienda es un tipo de seguro de vivienda que un inquilino compra para protegerse a sí mismo y a su propiedad. Si las viviendas están aseguradas por el propietario, generalmente no protegen a los inquilinos ni a sus bienes, y además, no cubren siniestros que se produzcan en la vivienda y causen daños a ellos o a terceros.
- Second home insurance
It is not mandatory to take out insurance for your second home, but it is highly recommended. Simply leaving the home unoccupied for long periods of time can make it a target for theft, in addition to the weather inconveniences typical of tourist vacation destinations.
Discount in Luko with Fazil Neobank
if at contract your insurance in Luko you make the payment with your card Fazil, you will receive a cashback 21%. This way you will save even more thanks to the low cost of your insurance in Luko and the cashback provided by Fazil.
¿Cómo? Simplemente tendrás que descargar Fazil Neobank, crear una cuenta y añadir el importe del seguro. Tras esto, cuando vayas a realizar el pago en Luko solo tendrás que meter los datos de tu tarjeta Fazil y automáticamente recibirás el 21% de cashback.
