Unicaja Banco, within the framework of its agreement with Caser insurance company, offers Yavoiyó, a home insurance policy for second homes with innovative cover, such as the visit of a professional to the home in case of incident (including key management) and cover of legal expenses in the legal claim for illegal occupation.
Thus, with the Yavoiyó Home Protection insurance, a professional will go to the home in case of incident to solve it at any place or time, without the need for the owner to also be present, as it includes a service of collection and delivery of keys throughout the national territory and free of charge.
It also includes one free inspection or cleaning service per year. The inspection service consists of a check of the general condition of the home, including turning on household appliances, checking lighting, faucets, blinds, windows, doors, drains, etc., with free travel by the professional and preparation of a report on the results of the inspection. The cleaning service provides the labor of a professional for a maximum of three hours to clean tiles, bathroom fixtures, floors, glass and mirrors, kitchen and bathroom furniture, outdoor furniture, household appliances, etc.
In the event of illegal occupation of the home, the insurance also provides coverage for legal claims, which covers the legal expenses arising from the process: lawyer and solicitor, notary and experts appointed by Caser, as well as costs. The limit of these expenses is between 3,000 euros per claim and 9,000 euros per year, with a grace period of three months from the effective date of the policy.
On the other hand, the insurance also offers other coverages that add value to the customer, such as civil liability for damages caused to third parties due to a water leak or the performance of repair, decoration or conservation works in the home. Likewise, if the building is insured, coverage for material damage to electrical installations is included. In the event that the contents are insured, the appliances connected to the power supply are covered, in addition to covering up to 200 euros for the deterioration of refrigerated food or medicines due to a power failure or breakdown in electrical appliances.
Other outstanding coverages are those produced by water damage, which covers 100% of the sum insured for the location and repair of water leaks, as well as damage due to breakage of tanks other than water, pipe breakage due to frost and the repair of water leaks, even if they do not cause damage (up to 200 euros) and preventive unblocking (up to 300 euros).
If the contents of the dwelling are insured, breakage of glass, glass ceramic or induction hobs, aquariums, solar panels, marble countertops, sanitary ware, shower screens, as well as fixed glass: ovens, refrigerators, washing machines, fireplaces or stoves are also covered.
Burglary, robbery or theft are covered in the insured home. In the case of garden furniture, storage rooms, garages and basements, including solar panels, burglary and robbery are covered provided that they have the security measures established in the policy (excluding theft). In addition, jewelry, objects of special value and cash are covered provided that capital has been subscribed for them (only in case of burglary and robbery).
Finally, damage caused by atmospheric phenomena is also covered: rainwater seepage through roofs, ceilings or walls, and includes the Bricocaser service for maintenance and do-it-yourself work.
Insurance taken out with CASER, Compañía de Seguros y Reaseguros, S.A., through Unimediación, S.L.U. Linked banking-insurance operator, registered in the Registro Administrativo de Distribuidores de Seguros de la Dirección General de Seguros y Fondos de Pensiones (Registration No. OV-0010), acting through the Distribution Network of Unicaja Banco, S.A. Civil liability insurance in accordance with current legislation. The insurance companies with which Unimediación S.L.U. has entered into a contract is available at www.unicajabanco.es/seguros.
Coverage of this insurance included in the General and Particular Conditions of the subscribed policy.