Occident completes its home insurance range with the launch of Home Exclusive

"Home Exclusive has been designed to protect premium quality flats and single-family homes, both terraced and detached. This category includes exclusive new cover that protects customers inside and outside the home, as well as the extension of the insured capital limit."

Occident has launched Home Exclusive, a new category of its Home insurance product range, designed to meet the demands of customers with specific needs due to the characteristics of their home. Thus, Home Exclusive includes unique coverage options that respond to the specific needs of this type of customer, as well as expands the scope of various coverage and services already offered with other categories of Occident home products.

Home Exclusive has been designed to protect premium quality flats and single-family homes, both terraced and detached. The exclusive coverage offered by the policy includes material damage caused by direct contact with a heat source, as well as damage caused to garden furniture due to atmospheric phenomena and new specific coverage for works of art. As for customers' belongings outside their home, Home Exclusive covers the theft of contents from vehicle boots and incorporates theft outside the home.

Furthermore, Home Exclusive includes “All-risk technological cover” to protect material and direct damage that occurs accidentally to technological devices such as laptops, cameras, mobile phones and tablets. Home Exclusive also extends the maximum insured capital in several coverage items found in other Occident Home insurance categories, such as the guarantee against leaks in the roof and on the façade of the building; blocked pipes; theft or aesthetic restoration, among other things.

A house is one of the most important investments of a person's life. For this reason, at Occident we work daily to respond to our customers' needs by designing tailor-made coverage and offering the best services for their homes” says the Director of Private Insurance at Occident, Antonio Tejero.

Occident is committed to the constant improvement of its home insurance products

Home is one of the strategic areas for Occident, which is why it offers various categories in order to respond to any need with different capital options according to the individual needs of each customer. In addition, the Home range includes an emergency home assistance service to resolve any unforeseen event that may arise at home; obtaining an energy performance certificate for the property; repair to boilers and the Bricohogar call-out service to have a professional tradesperson sent to the property. The Home policies are supplemented by civil liability coverage and pet protection.

In 2023, Occident expanded its Home range with home tourist rental use, an insurance policy created to protect lessors with exclusive coverage; and it updated Lessor Home, its Rental home insurance for non-tourist rental homes, with a new optional legal defence package for landlords.

For self-employed workers and professionals working from their home, Occident offers the professional Home category, which adds specific coverage to protect home working activities, such as providing IT assistance and cover for professional material or office equipment used to carry out the business activity.

Another category of interest is that of caravans, designed to protect customers with privately-owned caravans used as a second home, located in campsites or car parks where it is safeguarded outside of the season.

Lastly, customers can also choose to group their policies in their Customer Account, allowing them to pay their monthly insurance premium with no surcharge, and benefiting from a discount on the first receipt for each new insurance product taken out. The Customer Account is also a guaranteed savings product and, as such, provides yield on savings from the first day.