A comprehensive household insurance that is adapted to your needs, whether you live in the city or not; whether your home is a flat or a house; whether you are a homeowner or are renting. We offer a broad range of products designed to protect your non-financial assets as well as any contingency affecting your home that is identified in the policy.
Our household insurance policies are adapted to all kinds of homes, with options for your main residence, your holiday homes, rentals, etc.
The advantages of taking out household insurance through Op de Beeck & Worth include:
- Replacement cost value – New for Old.
- 24-hour emergency assistance.
- Automatic indexation of insured sums.
- Flexible payment terms.
- Policy documents in English.
- Higher than standard upper thresholds for cash coverage.
In addition, a package of upgrades are available, including:
- All-risks accidental damage.
- Variable limit of excess.
- Personal accident.
- Pet insurance.
Household insurance designed for expatriates with homes in Spain who are looking for the coverage best tailored to their needs and to receive personal customer service in their language.
Whether you are an owner or a tenant, we can offer you a wide variety of products designed to protect your non-financial assets and any event affecting your home that is specified in the policy.
As well as offering the full range of insurance cover available in the Spanish market, the key value proposition is our passion and obsession with service. Taking out an insurance policy through de Op de Beeck & Worth means enjoying personal advice in your own language. And knowing that in the event of an incident, your insurance broker will always be looking out for your interests.
Our policies protect you against all the major perils such as fire, lighting, explosion, rain, wind, hail, snow, smoke, burglary, third party liability, electrical damage and much more.
- Fire, lightning, explosion, and related expenses.
- Water damage, including locating and repair (up to limit indicated).
- Electrical damage, up to the amount set out in the Particular Conditions.
- Cosmetic damage (Options: €1,500, €3,000, €6,000, €12,000)
- Burglary, Damage during burglary, theft up to the amount set in the Particular Conditions.
- Refrigerated goods.
- Temporary inhabitability or loss of rental income.
- Third Party Liability.
- 24 hour home emergency services, etc.
With extensive optional guarantees such as:
- Storage rooms and gardens.
- Repair of domestic appliances.
- Repair of broken or non-functioning computer equipment.
- IT equipment support (included in the Main Residence category).
- Civil liability for dangerous dogs.
- Personal accidents in the home.
- All-risks accident extension.
Our services for household insurance include:
- Advice on the appropriate policy with comparisons between different companies, and making a recommendation which is best suited to the clients specific requirements.
- Advice throughout the duration of the policy, in the event of endorsements which may be required, claims, etc.
- Recommendation of other insurance policies to complement and avoid duplications with existing policies.
The most important thing for us is the service we offer, totally client-focused and aiming for all-round satisfaction. We listen to our clients and are there to defend and support them in the event that a claim occurs.
Your bank may ask you to take out household insurance and for them to be the named beneficiary of the policy. But it cannot force you to take out a policy with them. At Op de Beeck & Worth we can manage your insurance, taking into account the bank’s legitimate interests in the same. The main difference between taking out the policy with the bank and doing so through our insurance brokerage is that we advise the client as to the best protection, which gives them the coverage they need, and our service is comprehensive, from the quote right down to the claim.
We want to hear about and understand your protection needs, so we would ask you to give us information about the home you want to insure on this form so that we can phone you back, or if you prefer you can call or write to us directly to tell us what you need. We will be delighted to help you protect what you most value.
We help you with your insurance
We will be happy to help you protect everything you need in your company.
Contact us for a personalised study.
What our customers say
Thank you for the excellent service.
A friend recommended your company to me years ago and I'm glad I listened to her advice. I have worked with quite a few companies and have rarely had a claim. However, compared to other insurance policies I have occasionally had a claim with (car, dog, ...), your service is top notch: personal service, immediate response, competence and a real personal and individual way you treat your clients.
Thank you very much
The response I received has been very professional, personalised, friendly and close at all times. I have been able to contract a product and service that perfectly suits my needs, when I was faced with several interesting proposals. A success.
All the team members I have dealt with have been professional, patient, polite and friendly. They have dealt with several difficult situations for me and have gone above and beyond to help me. Their advice and judgements have been sound and reliable, so I have always felt safe knowing that I was being well looked after. As an expatriate who does not speak Spanish, life in Spain would be much more difficult without the support of this company.
There is no doubt in my mind that I would recommend Op de Beeck & Worth for a much needed peace of mind.