Gibraltar
Portugal
Permanent Home Insurance
Protect your buildings in Spain and Portugal with our home insurance
4.5
Permanent Home Insurance Benefits
Protect your buildings, contents and valuable possessions in Spain and Portugal with our home insurance.
We are a broker and we work with other leading international insurance companies such as Reale, Caser, Plus Ultra, Lusitania...
Features of the Ibex Home policy
- Underwritten at HDI Global Specialty SE
- Flexible, tailor-made policy to suit your needs
- All risks Worldwide cover available for Personal effects and valuables on permanent residences only (T&C apply)
- Discounts for direct alarms connected to a security firm on permanent residence homes only
- Multi property policies available
- Accidental damage on your home entertainment equipment as standard (exclusions apply)
- Optional extended accidental damage cover for contents on permanent residences only (T&C apply)
- Multi-policy discounts
- Flexible payment options
- Increased excess discounts
- Up to 15% no claims discount
Home Insurance Types of Cover
Below is a summary of our cover.
Buildings
- Covers fire, smoke, lightning, storm or flood (excluding fences and gates), theft, explosion, escape of water or oil, vandalism and collision.
- Subsidence for properties less than 10 years old.
- Loss of rent or cost of alternative accommodation.
- Accidental damage of fixed glass and sanitary fittings.
- Garden restoration.
- Falling trees or aerials.
- Emergency Access.
- Legal liability as owner of your home.
Contents
- Covers fire, smoke, lightning, storm or flood (excluding fences and gates), theft, explosion, escape of water or oil, vandalism and collision.
- Accidental damage to glass tops, home entertainment equipment and personal computers (exclusions apply).
- Contents temporarily removed.
- Outdoor Contents.
- Frozen food spoilage.
- Theft of keys.
- Title Deeds.
- Increase in cover over Christmas period and for Weddings.
- Legal liability as occupier of your home.
Optional extras
- Accidental Damage to buildings.
- Extended Accidental Damage to contents.
- All risks (worldwide) - Valuables & personal effects, both specified and unspecified.
- All risks (worldwide) - money and credit cards.
- All risks (Europe) - standard or power assisted e-bikes.
- All risks (worldwide) - Golf cover for equipment, apparel and golf buggies.
- Emergency Travel cover.
- Permanent home let cover.
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