Cómo elegir un seguro de hogar


Home protection is more important than we sometimes think. Although, depending on the country, the law only requires home insurance when you have a mortgage, more and more homeowners are opting for insurance. In addition, many rental contracts require the tenant to purchase insurance, which gives some peace of mind in any unforeseen event in our home. There is a wide variety of products on the market, each with its coverages and prices, so choosing the right insurance can be overwhelming. Let’s give you a hand with this article!


When evaluating home insurance options, it is crucial to carefully examine the coverages they offer. It’s not only about getting an attractive price but also about ensuring that the insurance responds effectively in case of any incident in your home because there are different options, and not all of them cover everything you might be interested in.
Some of the most essential coverages you should consider are:

1. Water damage

Water leaks are one of the most common household mishaps. Make sure your policy covers both damage caused by leaks or spills from water installations and the cost of repairing damaged pipes.

2. Breakage of glass and similar elements

Accidental breakage of glass, marble, sanitary ware, or ceramic glass can occur at any time. Check that your insurance covers the repair costs or the corresponding indemnity.

3. Electrical damage

Damage caused by abnormal currents or surges can cause problems in your electrical installations and appliances that are often expensive. If you are caught unexpectedly in a bad month, it can result in a high out-of-pocket expense. Make sure your policy includes this coverage to protect your electronic devices.

4. Fire, explosion, lightning and smoke

Fire can cause devastating damage to your home. Check that your insurance covers both direct fire damage and smoke damage.

5. Tort liability

It is essential to protect yourself in case you unintentionally cause damage to third parties. Make sure your insurance includes an adequate amount of coverage to avoid possible legal claims.


In addition to the coverage offered, several factors can influence the cost of home insurance. It is important to take them into account when comparing the available options and selecting the policy that best suits your needs and budget:

Tenancy regime: the cost may depend on whether you own or rent the property.

Frequency and use of the property: the daily use of your property may increase the probability of incidents, which could influence the price.

Size and age of home: larger or older homes may require additional coverage due to increased risk of damage.

Location: the location of the home, especially if it is in an area prone to natural disasters or high crime rates, can influence the cost of your insurance.


Taking into account all the details we have exposed, if you are already at the moment of selecting a home insurance that fits your needs and your pocket, ask yourself the following questions:

What are my needs? Identify the coverages that are a priority for you and make sure that the insurance includes them.

What are my options? Don’t just take the first offer you find. Compare the prices and coverages of different insurance companies.

Can I get a second opinion? If you have doubts about which insurance to choose, consider consulting an insurance agent or financial advisor for personalized guidance.

Do I need security upgrades? Installing security systems such as alarms or cameras can reduce the cost of your insurance.

Am I interested in bundling insurance? Some companies offer discounts if you combine your home insurance with other types of insurance, such as car insurance.


Damage to the structure

This includes roofs, floors, installations, and windows, among others. Your insurance should cover repairs of damages caused by fire, theft, and water, among others. It is important to review the policy conditions to know the types of claims included and the exclusions and limitations.

Damage to the contents

This coverage covers the repair or replacement of furniture and household goods. It is recommended that, in case of destruction, you receive an indemnity for the new or “replacement” value, although some companies usually insure for the actual value, discounting the depreciation due to use.

Civil Liability 

This warranty covers repairs and compensation you may have to pay to others for damages you cause them. This may include situations such as a fire caused by carelessness.

Legal defense

It provides you with the means to claim damages that others have caused you or to defend yourself legally in case of disputes related to your home.

Important: remember to thoroughly review your policy to make sure you understand all the coverages included and their limitations. Insuring for the correct value is essential to avoid problems in the event of a claim. If you have any doubts, you can always seek advice.


As we said before, when looking for home insurance, do not limit yourself to only one option. Ask for quotes from several insurance companies and compare prices and coverage. If you are in an apartment or community, consider consulting with the insurer that has the whole complex, as they may offer discounts if you contract with them. It is also advisable to talk to a trusted insurance broker or seek references from your family and friends. Remember that choosing the right insurance is an important investment to protect your home.