Universal Home Multi-Risk

Universal Home Multi-Risk

Also protects your refrigerated goods

What is this insurance?

The Universal Home Multi-Risk Insurance offers a wide range of coverages to protect your property in the face of unforeseen events. Ranging from the loss of keys to damage to refrigerated goods, this insurance allows you to face up to unforeseen events so that you can continue to enjoy your home.

Benefits of this insurance

Maximum protection

Give yourself insurance that offers the best protection for your home.

Refrigerated goods

Insure the refrigerated goods in your home against unforeseen circumstances.

Lock replacement

Protect your home with lock replacement in the case of lost keys included in the policy.


Adapt your home protection to your specific needs and circumstances.

Main coverage

The Multirriesgo del hogar universal (universal multirisk home insurance policy offers you protection in the following unforeseen circumstances:

  • Fire, explosion, smoke and lightning.
  • Burglary, robbery and theft; damage due to burglary or attempted burglary.
  • Theft of personal belongings, jewels and cash outside of the home, and the fraudulent use of credit cards.
  • Lock replacement due to theft or loss.
  • Loss of rent and uninhabitability of the home.
  • Aesthetic damage.
  • Electrical damage and damage to refrigerated goods.
  • Water damage.
  • Reconstruction of gardens.
  • Extraordinary events such as acts of vandalism and malicious acts, rain, wind, hail, snow, etc.
  • Breakages: windows, mirrors, glass, methacrylate parts, worktops, ceramic hobs and bathroom fixtures.


As this is a multirisk policy, the range of coverages is extensive and includes fire, explosion, theft, robbery outside of the home, breakages, water damage, civil liability, change of locks due to loss or theft, etc.

Garden reconstruction and replacement of refrigerated foodstuffs.

The calculation includes all insurable goods, whether structure or contents, for the price that it would cost us to recover or replace them as new. To do this, an inventory of the home is performed and a subsequent valuation. Objects of special value are excluded from this calculation, such as artwork, collections, jewels, etc., which need to be valued separately.

Yes, you just need to expressly declare this in the insurance contract.

The maximum insured value is €150,000 for damages and €300,000 for losses.

This insurance offers the additional services of medical guidance over the phone, home care and 'Bricohogar' (a service providing help with household jobs).

Why choose NorteHispana?

Refrigerated goods

Lock replacement