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Horizonte Seguros
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Product Overview

Home Insurance

Greater peace of mind to protect your home and what you have built with effort. This product covers contractually defined events for your property, with conditions tailored to your property's profile.

Recommended for: Owners and residents who want property protection for a primary or secondary home.

Next step: You send initial data via WhatsApp. The team analyses and presents conditions before any purchase.

  • Property protection
  • Home and contents
  • Clear terms
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  1. 1)What this insurance helps protect

    Common protection examples for this product. Final conditions depend on the policy chosen.

    • Cover for events as provided in your home policy.
    • Option to protect your property and contents, depending on plan.
    • Guidance on excesses, limits and exclusions.
    • Team support during the claims process.
    • WhatsApp support for managing any questions.

  2. 2)When this product typically makes sense

    • Families who want to reduce financial risk to their home.
    • Those living in areas with higher exposure to certain events.
    • Homeowners who prefer to plan annual costs.
    • Those seeking to contract with clear and transparent language.
  3. Read carefully

    3)Key points to consider before purchasing

    • The property's condition can influence terms.
    • There are contractual exclusions that require prior review.
    • Excesses may apply to certain occurrences.
    • The insured amount should reflect the property and contents reality.

  4. 4)What typically influences the price

    • Location, property type and use.
    • Reconstruction value and assets to protect.
    • Additional covers and excess level.
    • Security conditions in the dwelling.

  5. 5)Documents typically requested

    • ID document of the policyholder.
    • Basic property information (location and type).
    • Proof of ownership or use, when requested.
    • Other documents defined in the assessment.

  6. 6)How the purchase process works

    • Share dwelling data via official WhatsApp.
    • Receive a proposal with appropriate covers for the property.
    • Validate terms and send requested documents.
    • Contracting only occurs after document review and formal proposal acceptance.

  7. 7)How to file a claim

    To speed up processing, have these details ready: insurance type, date of occurrence, location and brief description.

    • Report the event with date, location and initial description.
    • Send records and evidence requested for assessment.
    • Follow inspection guidance, when applicable.
    • Track the process status with our team.

  8. 8)Quick questions about Home Insurance

Important: contract transparency

This content is informative. Covers, limits, exclusions, waiting periods, excesses and activation rules depend on the proposal, policy and underwriting analysis.

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