Top 10 Home Insurance Companies

By | December 2, 2021

We want to talk to you about the 10 best companies for home insurance. We do it from our home insurance comparator service and always with the intention of offering you the best service. To make this classification we have taken into account several criteria that we will also reveal along these lines.

It should be clarified that they are not placed in order in a ranking, since within each of their insurance modalities we can find different advantages.

Top 10

Mapfre

Mapfre is one of the best companies for home insurance and one of the most important in Spain. It is present in dozens of countries and is part of the Global Risks group, dedicated to risk and claims management.

The Caixa

Another of the best companies for home insurance based in the city of Barcelona. It is part of the Caixa Bank group and its operations are conducted from there.

Mutua Madrileña

The Mutua Madrileña, founded in Madrid during the 1930s, is a mutual (non-profit) that covers millions of people in our country.

Zurich

It is a company of Swiss origin. It has three insurance sectors: general, life and agricultural. It is present in more than 170 countries.

Catalan West

A group founded in the 19th century, specifically in 1864. It has its headquarters in Sant Cugat del Vallés, a town in Barcelona. Today it is present in more than fifty countries.

Allianz

Another of the best companies for home insurance. It originates from Germany and works in more than seventy countries with more than seventy million clients across all continents.

Generali

The insurer of Italian origin is the second largest insurance group in the world.

Axa

Axa is another of the best companies for home insurance. It was founded in 1917 and is based in Paris. It is one of the largest insurers in the world.

Caser

An insurance company belonging to the Caser group with twelve thousand points and a great professional team.

BBVA

An insurance company associated with the Banco Bilbao Vizcaya Argentaria group.

 

What to keep in mind when comparing home insurance companies?

When it comes to hiring home insurance, it is essential to compare between the different companies. A relevant question: we must take out a policy that we can pay for and that, at the same time, covers us as much as possible against possible eventualities or claims. For this reason, we recommend using a home insurance comparator service  , since, at a glance, you will be able to know the conditions and benefits of each of the insurers to get the option that best suits your needs.

What types of home policies are there?

We have talked so far about the best home insurance companies. In addition to them, there are many more alternatives to insure your home. However, in general terms we can say that they offer two types of policies: basic and complete. How could it be otherwise, the former are cheaper, while the full ones offer a great variety of possible coverage, not only for the content and the continent, but also for the insured themselves. On many occasions even outside your home.

Although it is not mandatory to insure a home, it is necessary. This is because we must always protect the content and also the very place where, in fact, we live, against any inconvenience that may occur. Or also the damages that could be caused to third parties.

However, home insurance is mandatory in the case of homes with a mortgage. In other words, the bank will require it as a condition of its financing. Sometimes they will offer us a complementary insurance linked to the mortgage that at present it is possible to unlink later.

Finally, it should be noted that the type of insurance can vary greatly depending on the type of home. Indeed, it is not the same to insure a home for regular use than one for vacation or rental use .

Basics in home insurance

When choosing companies for home insurance we must take into account the wide variety of possible coverages and limitations that exist. In this way, before hiring any policy we must know in detail its conditions and concepts.

Two of the fundamentals would be the content and the container. The first refers to all the objects that are inside the house itself. The continent refers to the house itself and its structure. These two concepts are basic, but not sufficient in a home insurance policy. In addition to them, the so-called Civil Liability must be included , for which damages caused to third parties for which the insured or the home are responsible will be covered.

Other coverages that we must take into account are theft, fire, water damage and floods, 24-hour response service against loss, theft or accident in the home.

Use the Money Expert home insurance comparator to quickly and easily find the best option for you and your family.

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