Home Insurance Calculator

If you have insurance with Zurich and you’ve been affected by the DANA, call Zurich on 900 104 936.
Quick and easy
Quick and easy
Whether you're a homeowner or a tenant, take out your home insurance in just 5 minutes.
24/7 assistance
24/7 assistance
Enjoy around-the-clock assistance from the very first day of your policy.
Free locksmith
Free locksmith
With a free locksmith, you never need worry about losing your keys.
Third-Party Liability for dogs
Third-Party Liability for dogs
Covers damage caused by dogs that are not considered potentially dangerous.

Want to learn more about Home Insurance?

Which insurance company provides the home insurance and life insurance sold by Openbank?

How do I take out my insurance policy and when will I be insured?

What is Multi-Risk Home Insurance?

Who and what does the insurance cover?

What sum should you insure for your home?

What are the most common claims?

What is underinsurance?

What is overinsurance?

What do you have to do if a loss occurs?

Which insurance company provides the home insurance and life insurance sold by Openbank?

Home Insurance cover and guarantees are provided by Zurich Insurance Europe AG, Sucursal en España; and Life Insurance cover and guarantees are provided by Zurich Vida, Compañía de Seguros y Reaseguros S.A. Open Bank, Linked Bancassurance Operator, with NIF A028021079, acts as the broker for both types of insurance through its distribution network. The company is registered in the Registry of the Directorate General for Insurance and Pension Funds Registry (D.G.S.F.P.) under number OV-0081 and has valid agency contracts with Zurich Insurance Europe AG, Sucursal en España, and Zurich Vida, Compañía de Seguros y Reaseguros, S.A. Civil liability and financial capacity covered pursuant to the applicable law.

How do I take out my insurance policy and when will I be insured?

Just log in to the Openbank app, go to the “Insurance” section, click on “Mobile Theft Insurance” and follow the instructions.

You will be insured as soon as you take out the policy, and for up to one year.

What is Multi-Risk Home Insurance?

This insurance policy covers any risks that could affect your home, such as: electrical short circuits, burst pipes, various types of faults or breakages, domestic accidents, storm damage, burglaries, and so on. It also covers third-party liability arising from property damage and personal injury at home, such as falling objects from windows or balconies, flooding on lower floors, etc.

Who and what does the insurance cover?

Your home and its contents will be insured. You and the family members who live in the house will also be protected, inside and outside the house.

What sum should you insure for your home?

Ideally, the building and/or the contents should be insured for a sum that is similar to the value of the building and the contents when new. It also allows the insured sums to increase if you buy new expensive objects or if you carry out home improvements.

What are the most common claims?

The main causes of home insurance claims are broken windows, electrical or plumbing problems, small fires and burglaries.

What is underinsurance?

Underinsurance occurs when the property is insured for lower than its actual value. In the event of loss, the Insurer, in accordance with the Condition of Average, will adjust the amount of compensation in proportion to the difference between the sum insured and the actual value of the property. Example: if the property was insured for €100,000 when it should have been insured for €200,000, the ratio between both is 50%; therefore, in the event of a loss with damages valued at €1,000, you will receive the corresponding proportion (50% less), i.e., €500.

What is overinsurance?

Overinsurance occurs when the property is insured for higher than its actual value. In the event of loss, you will only be entitled to compensation for value of the property and not the sum insured in the policy. For example, if it was insured for €1,000 when the actual value was €500, the maximum amount you will receive as compensation is €500, and not the sum insured stated in the policy.

What do you have to do if a loss occurs?

Call the insurance company's helpline on 932 60 97 63. The insurance company will immediately deal with any of your incidents or claims, 24 hours a day, 365 days a year.

You will be asked for the name, policy number, date, time and place where the loss happened, description of the causes, as well as a contact telephone number.

If a third party is involved—whether as the aggrieved party or the responsible party—you will also have to give the details of their insurance company, policy number, address, town and telephone number.