Asegura tu vivienda con nosotros.
Our home insurance policies give you the peace of mind you need. Your home is your temple and an accident shouldn’t ruin it. With Futurseguros, you’ll be protected whatever your lifestyle:
Home insurance for renters.
If you live as a renter and you don’t own your home, insuring only your belongings, without insuring the building.
Home insurance for homeowners who rent their home.
If you rent a property and you want to be calm with our guarantee of non-payment of rent, you will have a safe rent, with a guarantee of non-payment of rent for 6 and 12 months, rent your property in Mallorca with complete peace of mind.
Home insurance for your permanent home, second home or holiday home.
We adapt the coverage to your home, whether it is a flat in the centre, your house on the beach or a villa with swimming pool, a professional insurance agent will tailor the policy to your needs.
Coverage of our home insurance
Our insurance policies have all the cover you need: theft, atmospheric phenomena, water damage, damp, glass, fire, multi-risk, explosion and lightning strikes, electrical damage, civil liability, and all those risks that endanger your home. We also offer complementary guarantees, such as DIY assistance, legal defence or the possibility of including pet insurance in your home insurance free of charge.
Personalised home insurance management
In short, home insurance is a product with a lot of coverage. That is why at Futurseguros we prefer to personally manage each insurance policy we offer our clients. We do not show price calculators or calculators on our website. We include the guarantees that the client needs and we personalise their insurance, having a telephone conversation with the client. If you want the best price for your home insurance, without neglecting the coverage, make your insurance policy with an insurance agent, contact us.
Preguntas frecuentes
How to get cheaper home insurance, what does the price of home insurance depend on?
The price of home insurance depends on several factors, including the type of home, its size, its age and the coverages you choose. Although most coverages are basic, you may need some optional ones depending on your specific needs.
Basic home insurance usually starts at around 140 euros and upwards, for a 70 m2 flat.
Is it compulsory to have the contents and the contents policy in the home insurance?
No, you can contract only the building, for example, in case you are the landlord and you rent an empty property, or you can contract only the content in case you are a tenant and you do not want to insure the structure of the property, but you do want to insure your personal belongings.
Can I be obliged to take out home insurance if I apply for a mortgage or if I am a tenant?
No, the bank cannot oblige you to take out a home insurance policy with them, although you are obliged to have at least a fire insurance policy, check Royal Decree 716/2009 article 10 if you want more info, but it does not have to be with them. If you live in a rented property, you are not obliged to take out home insurance.
What is the rent guarantee?
A rent default guarantee, also known as rent insurance among other trade names, is a protection that a company provides to the landlord of a property under a rental agreement with a tenant.
These guarantees work as follows: they cover the rent that the tenant must pay for a specified period, up to a limit specified in the insurance policy.
The cost of this guarantee is approximately 3% of the annual rent. For example, for a property with a monthly rent of 1100 euros, the cost of the non-payment of rent cover could be around 400 euros per year.
Is my home covered by the community insurance?
The community insurance may partially cover your home. If the community has insured the entire building, the building of your home is included. However, this is a way of saving on insurance that we do not recommend due to several risks.
For example, if the community does not pay the insurance, your home is not covered. In addition, if each neighbour uses the community insurance for claims on his or her building, this could increase the loss ratio of the insurance, which in turn could increase the premium or even lead to the cancellation of the insurance.
It is important to understand these risks before deciding to rely solely on the community insurance to protect your home. We recommend always having an individual home insurance policy that is tailored to your specific needs.