The best insurance for your second home

At ASSAP, we know that your second home is your place of rest and relaxation. Our second home insurance is designed to guarantee you total peace of mind and covers a wide range of unforeseen events, such as fires, theft, water leaks, broken glass and floods, as well as any possible damage that these events may cause to third parties.

In addition, beyond the basic coverage, we customize your policy with additional options to adapt to the specific needs of your second home.

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What is second home insurance?

Second home insurance offers specific protection for properties used as second homes or holiday homes. It covers common risks such as theft, fire damage, liability and accidents, and provides peace of mind even during prolonged absence.

What does second home cover?

Coverages included

With and without deductible *

Aesthetic damage

If a repair breaks the aesthetic harmony of a room, this coverage ensures the restoration of floors, walls and ceilings to maintain their original aesthetics. For example, if after repairing a water leak, the new tile does not match the old one, we replace it with one that does.

Key replacement

In the event of loss or theft of keys, this coverage covers changing locks and replacing keys to ensure your safety and peace of mind.

Third party assets

It covers damage to property owned by third parties who do not live with you, such as property of guests or temporary workers at your second home. For example, if a friend spills coffee on their laptop at your home and it gets damaged, we cover the repair or replacement costs.

Atmospheric phenomena, lightning, floods, crashes, impacts and sonic waves

This coverage protects you against damage caused by extreme weather conditions, vehicle impacts, and other unexpected events. For example, if lightning strikes the roof of your second home and damages it, we’ll take care of the full or partial repair as needed.

Electrical damage

This coverage covers damage to your electrical appliances caused by power surges or short circuits. For example, if a power surge during a storm damages your appliances, we cover their repair or replacement.

Breakage of sanitary elements

It covers the repair or replacement of sanitary elements such as sinks or toilets, in case of breakage.

Temporary uninhabitability

If your second home becomes temporarily uninhabitable due to a disaster such as a fire, this coverage covers the costs of alternative accommodation.

Total ruin

It protects against serious material damage caused by works that affect the stability or resistance of the building. In addition, if an authority declares the building to be in total ruin and orders the evacuation of the property, this coverage responds to these circumstances.

Vandalism

This coverage protects you against intentional damage to your property by third parties. For example, if vandals break the windows of your second home, we will take care of their repair.

Water damage

This coverage covers the detection and repair of water leaks, as well as addressing any damage resulting from those leaks in your home. For example, if a pipe bursts and causes a flood in your kitchen, we’ll take care of repairing the damage caused to your furniture and appliances.

Theft and plunder

This coverage provides protection for your belongings in the event of theft occurring in your second home or in cases of burglary. For example, if a television is stolen during a burglary in your home, we cover the cost of purchasing a new one with similar characteristics.

Civil Liability, Bonds and Defense

It offers legal assistance and covers the associated costs in the event of lawsuits, including a lawyer and bail bonds. For example, if a neighbor sues you for damages caused by a flood coming from your second home, we cover the legal and defense costs.

Crystals

It covers broken glass in windows, doors and other elements of your second home. For example, if the children are playing football and a ball ends up breaking the living room window, we will replace the damaged glass.

Fire

It offers comprehensive protection against damage caused by fire and includes reconstruction and repair of structural and personal damages.

Additional coverages

Pest control

This coverage offers professional solutions to eradicate any type of infestation in your second home.

Theft of money from a safe

This coverage provides you with compensation in the event of theft of money from safes within your property.

Theft of trees and garden plants

This coverage protects your gardening investments and covers loss due to theft of ornamental plants and trees.

Breakage of tablets and mobile phones

This coverage supports the repair or replacement of accidentally damaged mobile devices at your second home.

First aid expenses in case of robbery with violence

This coverage covers initial medical expenses in the event of violent robbery at your second home.

Jewelry in the home

This coverage provides compensation for theft or damage to jewelry kept in your second home.

Objects of special value and collections

This coverage is designed to insure your most prized assets, such as unique collections and items of special value, against risks such as damage and theft.

Theft of goods in storage room

This coverage insures items stored in your storage unit against theft.

Personal computers for private use

This coverage protects your personal computers from accidental damage inside your second home.

Computer support

This coverage provides technical support to solve computer problems at home.

Theft of money in the home

This coverage compensates for the loss of cash stolen from your home.

Objects in safe deposit box

This coverage compensates for the theft of valuable items stored in home safe deposit boxes.

* Coverage and services are subject to the terms and conditions applicable to your insurance. This section has no contractual value.