Universal Home Multi-Risk


Home Insurance

We guarantee the enjoyment of your home with peace of mind

What does our Home insurance offer?

Our Home insurance allows you to enjoy your home with complete peace of mind, protecting both the building and the contents of your home against any unforeseen incidents. It also includes a telephone medical guidance service, a 'handyman' service and home assistance and repair services. Complete protection designed to protect your family's peace of mind.

Benefits of this insurance

Your home will be protected thanks to the coverage of our Home insurance. It works when you need it most in the most usual types of incidents.

Home assistance

Enjoy a team of qualified professionals who will come to your home in the event of an accident. 24 hours a day, 365 days a year.

Bricohogar handyman service

A home improvement professional will be responsible for repairs and maintenance work in your home.

Repairing household appliances

We take care of the repair of mechanical, electrical and electronic faults.

Telephone medical advice

You will have a medical team at your disposal on the other end of the phone 24 hours a day, 365 days a year.

Urgent boiler repair service

We send a qualified technician to your home to repair your gas or butane boiler.


Veterinary consultations, civil liability, theft or loss, etc. Your dog or cat will also be protected thanks to our home insurance.

Lock replacement

In the event of the loss or theft of the keys to your home, we will take care of changing the lock.

Online computer assistance

We can solve your computer needs in situ or remotely.

Bricohogar service image

A home improvement expert at your disposal

A 'handyman' will come to your house to hang curtains, assemble some kit furniture, or to seal the bathroom fittings with silicone. Consult the full list of jobs included in this home insurance service.

More information

Main types of home insurance coverage

The Home insurance offers you protection against 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. 
Home Assistance image

Home Assistance

We have the best professionals from all activities ready to assist you with small breakdowns and maintenance jobs in your home.

More information

Factors that have an influence on the cost of Home insurance

Every property has some characteristics and uses that determine the premium of the final insurance. These are factors that have an influence on the cost of your home insurance with us.

Age and type of construction

The year of construction of your property, as well as the materials used will affect your home insurance premium.

Protection of your property

Is your property fitted with security bars, reinforced doors or an alarm system? These factors can also influence the insurance premium.


The fact that your home is centrally-located, in an urban centre, in the suburbs or on a residential estate will also affect the price of the insurance premium.


Since it is a comprehensive home insurance policy, its range of coverage is wide and includes fire, explosion, theft, robbery outside the home, breakages, water, civil liability, lock replacement due to theft or loss of keys, etc. 

The Computer assistance service helps solve queries and incidents regarding your PC by calling 93 396 10 29 or via the internet at the following link: 


It also includes other services, such as a yearly computer check-up, smartphone locking and geolocation, parental control, tracking and elimination of personal information on the internet, purchasing advice, 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 home insurance provides a telephone medical guidance service, home assistance and repair service as well as additional guarantees. 

Why take out Home insurance?

We have designed our home insurance so that you are always covered for any unforeseen circumstances but these are the guarantees that differentiate us.

Our customer service

More than 100 branches and 2,500 agents at your service so that in the event of a disaster you are never alone. 24 hours a day, 7 days a week, 365 days a year.

One million reasons

NorteHispana has earned the confidence of more than one million insured persons who have placed their trust in us.

Pet coverage

Because your pet is also part of your family, you will have civil liability cover for any incidents that may arise.