Innovarisk Seguros - HomePlus insurance

Why should you protect your Home with us?

Specialising in high value and overseas homes, Innovarisk has built its reputation on excellent claims service and offers comprehensive cover at a competitive price.

The Innovarisk HomePlus policy offers

Plain English wordings with no guarantees
Reputation for fast and fair claims service

New features

Significant increases in cover for jewellery and watches kept outside the safe

Significant increases in limits for unlisted items

Cover for building improvements following a claim or to make the property more environmentally sustainable

Cover for various new types of goods

Our coverages versus a standard policy?

No average clause in case of underinsurance
Special cover for antiques, fine art and jewellery
No application of market restrictions on theft: it’s still covered without forced entry or exit, if committed by your employees or if the home is unoccupied for more than 60 days
Automatic cover for all outbuildings and up to €7,500 for outdoor items
Excess for earthquake damage: 2.5% instead of the standard 5%
Third party liability cover up to €7.5 million worldwide (against the market standard of under €250,000)
No excess on claims over €10,000
Garden storm cover up to €5,000
Removal of fallen trees up to €5,000.

Case Studies

computer

Theft

On a sunny Sunday, our customers decided to have lunch in the garden. An opportunistic thief spotted the open kitchen window, got in, and stole all the computer equipment. Our cover for theft or robbery is guaranteed even where there is no trace, so we paid out the claim.

cloud

Storm

A storm blew some roof tiles off the house of one of our policyholders. If our client had taken out standard insurance, they would have had to prove the wind speed and the existence of damage within a 5km radius. Our policy has no such restrictions, and the claim was settled quickly.

HomePlus Insurance

Why should you protect your Home with us?

New features

Our coverages versus a standard policy?

Case Studies

Theft

Storm

Insurance Information

Product Information

Wording