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HOMIN

HOMIN


The home insurance that gives
me freedom of choice.
 ​​

Advantages

Take out a Homin Insurance and benefit of 7.5% discount
valid for the entire contract period.
Special offer only applies to the online quotes and insurance taken out
on the Millennium bcp website till 12/31/2021.



HOMIN goes beyond the conventional home insurance policies. Besides protecting your house and furnishings it also includes a set of innovative services. 

  • Senior Assistance
    We help you fill in your income statements, deliver your groceries and provide transportation to and from medical appointments up to 50 km from your home address. 
  •  IT Assistance
    Trouble with computers, tablets or smartphones? We provide an assistance phone line to help you install, configure and download software. Besides, we send a technician to your home to help you and, if necessary, repair your equipment.
  • Electricity Assistance
    In case of malfunctions with your house's electricity we organise and pay for the repair costs, including the visit of an electrician, labour costs and replacement parts.
  • Household emergency
    In case of malfunction with your water heater, internal plumbing and conduits, a leaking tap, do not despair. This service is for you!

HOMIN comes in three different protection packs: BASIC, REGULAR and PREMIUM and allows you to choose the excess amounts that better fit your needs: €0, €150 or €500.

Whether you are a home owner, a tenant or landlord, we adapt your protection to your situation!

Read more about HOMIN and find out how much you can save by buying a home insurance that includes building and contents!​

Fees and Commission

The HOMIN insurance premium varies according to your situation, Home Owner, Landlord or Tenant. Besides, it will also vary according to the house's construction quality, the pack and excess chosen, as well as the value of the contents.

Features

HOMIN offers you three packs with added advantages and protection levels. Choose the option that best fits your situation.

  • BASIC HOMIN
    The option that insures only the basics. With a fixed 150€ excess, it allows you to cover building and contents, repair damages in case of Fire, Water Damages, Civil Liability and you can also add the Electrical Risks and Seismic Phenomena covers.
  • REGULAR HOMIN
    The option that balances the best protection level at the best price. This allows you to choose one of three available excess amounts and includes the Theft or Robbery cover. It adapts the protection level in case you are a Tenant or Landlord and allows you to include innovative assistance services.
  • PREMIUM HOMIN
    The best protection in the market, with the possibility of including covers such as Civil Liability for Pools, Damages to Outdoor Walls and Damages to Gardens!

This protection includes innovative covers such as Accidental Damages and Household Emergency!

The Premium option is the best solution for detached houses or high value properties.

Covers

Covers Basic Regular Premium
Fire Insured amount
Building, Contents
No Excess		 Insured amount
Building, Contents
No Excess		 Insured amount
Building, Contents
No Excess
Storms Insured amount
Building, Contents
150€ Excess		 Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Flooding (Optional)
Insured amount
Building, Contents
150€ Excess		 Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Water Damages Insured amount
Building, Contents
150€ Excess		 Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Malfunction search and repair 2.5% of insured amount, maximum € 2,500
Building, Contents
No excess		 2.5% of insured amount, maximum € 2,500
Building, Contents
No excess		 2.5% of insured amount, maximum € 5,000
Building, Contents
No excess
Landslide Insured amount
Building, Contents
150€ Excess		 Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Theft or Robbery - Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Aircraft crash - Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Collision / impact of land vehicles - Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Oil spill - Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Labour Strikes - Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Breakage of glass - 2% of insured amount, maximum € 500
Building, Contents
No excess		 2% of insured amount, maximum € 1000
Building, Contents
No excess
Breakage or falling of antennas - 1% of insured amount, maximum € 1,000
Building, Contents
No excess		 1% of insured amount, maximum € 1,000
Building, Contents
No excess
Breakage or falling of solar panels - 1% of insured amount, maximum € 10,000
Building, Contents
No excess		 1% of insured amount, maximum € 10,000
Building, Contents
No excess
Demolition and removal of rubble - 10% of insured amount
Building, Contents
No excess		 10% of insured amount
Building, Contents
No excess
Contents custody - 5% of insured amount, maximum € 750/month
Contents
No excess		 5% of insured amount, maximum € 750/month
Contents
No excess
Deprivation of housing - 5% of insured amount, maximum € 750/month
Contents
No excess		 5% of insured amount, maximum € 750/month
Contents
No excess
Temporary Move - 5% of insured amount, maximum € 750/month
Contents
No excess		 5% of insured amount, maximum € 750/month
Contents
No excess
Civil liability
Homeowner or occupant		 € 100,000
Building, Contents
No Excess		 € 150,000
Building, Contents
No Excess		 € 250,000
Building, Contents
No Excess
Civil Liability
Tenant		 € 100,000
Applicable to the Tenant - Contents
No excess		 € 150,000
Applicable to the Tenant - Contents
No excess		 € 250,000
Applicable to the Tenant - Contents
No excess
Legal costs arising from civil liability
Homeowner/Occupant		 - Costs: € 2,500; Fees: € 1,500
Building, Contents
No Excess		 Costs: € 2,500; Fees: € 1,500
Building, Contents
No Excess
Legal costs arising from civil liability
Tenant		 - Costs: € 2,500; Fees: € 1,500
Applicable to the Tenant - Contents
No excess		 Costs: € 2,500; Fees: € 1,500
Applicable to the Tenant - Contents
No excess
Home personal risks
Death or permanent disability		 - 25% of contents amount, maximum € 7,500
Contents
No excess		 25% of contents amount, maximum € 7,500
Contents
No excess
Home personal risks
Medical expenses		 - 2.5% of contents amount, maximum € 1,250
Contents
No excess		 2.5% of contents amount, maximum € 1,250
Contents
No excess
Home personal risks
Funeral grant		 - 5% of contents amount, maximum € 1,250
Contents
No excess		 5% of contents amount, maximum € 1,250
Contents
No excess
Home assistance - See General Conditions
Contents
No Excess		 See General Conditions
Contents
No Excess
Aesthetic Damages - Maximum € 2,500
Building
No excess		 Maximum € 5,000
Building
No excess
Acts of vandalism and with malicious intent - Insured amount
Building, Contents
Chosen Excess		 Insured amount
Building, Contents
Chosen Excess
Damage to Landlord's Property - Maximum € 7,500
Applicable to the Tenant - Contents
No excess		 Maximum € 7,500
Applicable to the Tenant - Contents
No excess
Accidental Damages - - € 1000 / 2 events per year
Contents
€ 200
Household emergency - See General Conditions
Applicable to the Tenant - Contents
 See General Conditions
Contents
Seismic Phenomena (Optional)
Insured amount
Building, Contents
5% Excess		 (Optional)
Insured amount
Building, Contents
5% Excess		 Insured amount
Building, Contents
5% Excess
Electrical Risks (Optional)
Insured amount
Building, Contents
10% Min. € 150.00

(Optional)
Insured amount
Building, Contents
10% Min. € 150.00

 Own Capital
Building, Contents
10% Min. € 150.00
Damages to gardens and plantings - - (Optional)
Insured amount
Building
No excess
Loss of rent payments - The amount reported for this cover, max. € 7,500
Applicable to the Landlord - Contents
No excess		 The amount reported for this cover, max. € 7,500
Applicable to the Landlord - Contents
No excess
Vehicles parked in a garage - (Optional)
Own amount
Contents
Chosen Excess		 (Optional)
Own amount
Contents
Chosen Excess
Guarantee extension for appliances (Optional)
See General Conditions
Contents		 (Optional)
See General Conditions
Contents		 See General Conditions
Contents
Civil Liability
Swimming pools		 - - (Optional)
€ 250,000
Building
No excess
Damages to outside walls - - (Optional)
Up to 10% of the property value
Building
Chosen Excess
IT Assistance - (Optional)
See General Conditions
Contents		 See General Conditions
Contents
Electricity Assistance - (Optional)
See General Conditions
Building		 See General Conditions
Building
Senior Assistance - (Optional)
See General Conditions
Building or Contents		 (Optional)
See General Conditions
Building or Contents

SEISMIC PHENOMENA

1 - SCOPE
a) Under the terms of this Special Condition, the present contract covers, with the limits presented in the Particular Conditions, damage caused to the insured assets as a consequence of the direct action of earth tremors, earthquakes, volcanic eruptions, tsunami and underground fire as well as fire arising from these phenomena.
b) Phenomena occurred within a period of 72 hours after confirmation of the first losses occurred in the insured objects shall be considered a single incident.

2 - EXCLUSIONS
The following are excluded from this coverage:
a) Damage which already existed at the date of the incident;
b) Damage occurred to buildings or constructions of recognised fragility, such as wood or plastic boards, as well as when the construction materials considered resilient are not predominant by at least 50%, and all objects located inside the constructions indicated above;
c) Totally or partially derelict buildings intended for demolition;
d) Losses or damage to the insured assets if, at the time of the occurrence of the event, the building was already damaged, defective, collapsed or displaced from its foundations, in a manner affecting its stability and overall safety.

3 - DEDUCTIBLE
It is hereby established that, upon every claimed incident, the deductible stated in the Particular Conditions shall always be deducted from the indemnity payable by the Insurer.


You should carefully read the General Conditions.

This information does not dispense with the reading of the legally required pre-contractual and contractual information.

How to subscribe

To subscribe to the Home Multi-risks Insurance Policy HOMIN you can go to a Millennium bcp Branch.

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