ActivoBank | Homin Insurance

Protected home

Emergency assistance

You can count on electrical, IT and senior assistance or other domestic emergency such as water leaks or heater malfunctions.

Diversified protection

You're protected against theft, stealing, explosions, fire, water damages and a lot more.

Offers for different needs

Protection and special coverages for owners, tenants and landlords.

Coverages

Three protection options to choose from

Choose the option that best fits your needs and type of home

Tabela de Coberturas do Seguro Homin
Natural phenomena	Base	Regular	Premium
Water damage	Insured capital (building/contents) Deductible: 150€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€
Malfunction search and repair	Capital: 2,5% of the insured amount (building), maximum of 2.500€ No deductible	Capital: 2,5% of the insured amount (building), maximum of 2.500€ No deductible	Capital: 2,5% of the insured amount (building), maximum of 2.500€ No deductible
Landslide	Insured capital (building/contents) Deductible: 150€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€
Fire, lightning, explosion	Insured capital (building/contents) No deductible	Insured capital (building/contents) No deductible	Insured capital (building/contents) No deductible
Storms	Insured capital (building/contents) Deductible: 150€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€
Floods (optional)	Insured capital (building/contents) Deductible: 150€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€
Seismic phenomena (optional)	Insured capital (building/contents) Deductible: 5%	Insured capital (building/contents) Deductible: 5%	Insured capital (building/contents) Deductible: 5%

Tabela de Coberturas do Seguro Homin
Malicious acts	Regular	Premium
Theft or robbery	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€
Strikes, riots and public disturbances	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€
Vandalism and malicious intent	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€

Tabela de Coberturas do Seguro Homin
Aid to people and homes after accidents	Regular	Premium
Home assistance
Demolition and removal of rubble	Capital: 10% of the insured amount (building/content) No deductible	Capital: 10% of the insured amount (building/content) No deductible
Contents custody	Capital: 5% of the insured amount (content), maximum of 750€/month No deductible	Capital: 5% of the insured amount (content), maximum of 750€/month No deductible
Temporary move	Capital: 5% of the insured amount (content), maximum of 750€/month No deductible	Capital: 5% of the insured amount (content), maximum of 750€/month No deductible
Deprivation of housing and relocation	Capital: 5% of the insured amount (content), maximum of 750€/month No deductible	Capital: 5% of the insured amount (content), maximum of 750€/month No deductible
Aesthetic damages	Capital: Maximum 2.500€ No deductible	Capital: Maximum 5.000€ No deductible
Oil spill	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€
Oil spill	Insured capital (wiring) Franquia: 10%, mínimo 150€	Insured capital (wiring) Franquia: 10%, mínimo 150€

Tabela de Coberturas do Seguro Homin
Assistance services	Base	Regular	Premium
Emergência doméstica
Electric assistance		Optional
IT assistance		Optional
Senior assistance		Optional	Optional
Guarantee add-on for appliances	Optional	Optional

Tabela de Coberturas do Seguro Homin
Personal accidents and liability	Base	Regular	Premium
Civil liability	Capital 100.000€ No deductible	Capital 150.000€ No deductible	Capital 250.000€ No deductible
Legal expenses for civil liability		Expenses up to 2.500€ and fees up to 1.500€ No deductible	Expenses up to 2.500€ and fees up to 1.500€ No deductible
Pers. Domestic risks – Medical expenses		Capital: 2,5% of the content’s insured amount, maximum of 1.250€ No deductible	Capital: 2,5% of the content’s insured amount, maximum of 1.250€ No deductible
Pers. Domestic risks – Death or permanent invalidity		Capital: 2,5% do valor seguro do recheio, máximo de 7.500€ No deductible	Capital: 2,5% do valor seguro do recheio, máximo de 7.500€ No deductible
Pers. Domestic risks – Funeral expenses		Capital: 5% of the content’s insured amount, maximum of 1.250€ No deductible	Capital: 5% of the content’s insured amount, maximum of 1.250€ No deductible
Civil liability - pools			Optional Capital 250.000€ No deductible

Tabela de Coberturas do Seguro Homin
Collisions, falls and breaks	Regular	Premium
Breakage or fall of antennas	Capital: 2% do valor seguro (imóvel/recheio), máximo de 500€ No deductible	Capital: 1% do valor seguro (imóvel/recheio), máximo de 1.000€ No deductible
Glass breakage	Capital: 1% do valor seguro (imóvel/recheio), máximo de 10.000€ No deductible	Capital: 1% do valor seguro (imóvel/recheio), máximo de 10.000€ No deductible
Collision with land vehicles	Insured capital (building/contents) No deductible	Insured capital (building/contents) No deductible
Breakage or fall of solar panels	Capital: 1% do valor seguro (imóvel/recheio), máximo de 10.000€ No deductible	Capital: 1% do valor seguro (imóvel/recheio), máximo de 10.000€ No deductible
Aircraft fall	Insured capital (building/contents) Deductible: 0€, 150€ or 500€	Insured capital (building/contents) Deductible: 0€, 150€ or 500€

Tabela de Coberturas do Seguro Homin
Complementary coverages	Regular	Premium
Accidental damage		Capital: 1.000€ Deductible: 200€
Vehicles in garage	Optional Capital (vehicle) Deductible: 0€, 150€ or 500€	Optional Capital (vehicle) Deductible: 0€, 150€ or 500€
Garden and plantation damages		Optional Capital (garden) Deductible: 0€, 150€ or 500€
Damage to walls and low walls		Optional Capital: Up to 10% of the property value Deductible: 0€, 150€ or 500€
Damage to landlord's property	Maximum capital 7.500€ No deductible	Maximum capital 7.500€ No deductible
Loss of rent	Maximum capital 7.500€ No deductible	Maximum capital 7.500€ No deductible

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What is the value of the ensured capital of my house?

The value of the insured capital must correspond to the cost of the property's reconstruction in case an unexpected event occurs. This amount is based on the year, type of construction and factors such as finishing, dimension, geographic location or improvement works.

In case of horizontal property, the value of the reconstruction must correspond to the value of the apartment plus the commensurate of the common parts (roof, stairs, elevators, garage, etc).

In case of property that will be demolished or expropriated the insured capital must correspond to the matricial value.

The insured capital is not related to the amount in debt of the home loan and it is far lower than the market/commercial value.

What are the implications of having a Home Insurance over unsuitable capital?

In case a policy has ensured capital superior to what it should, the compensation to be received will never surpass the reconstruction cost.

When the ensured capital is inferior to the cost of reconstruction (in case of property) or to the cost of substitution for a new one (in case of furniture and house content), the Insurer will only pay the part of the damages that is proportional to the relation between the cost of reconstruction or substitution, to the date of the accident, and the Insured capital.

For example, if a building whose reconstruction cost is €100.000 is insured for €60.000, the Insurer will be responsible for 60% of the damages, and the remaing 40% will be held by the Insured person. If an accident causes damages in the worth of €30.000 the Insurer will only compensate €18.000 (60% of €30.000), the Insured person will support the reaming 40%, which means €12.000.

How can I report an accident with the Homin Insurance?

Call Ocidental’s Accident Support Line at +351 218 506 310, available on business days from 8:45 AM to 4:45 PM (The cost of communications depends on the tax you have agreed with your telecommunications operator).

This way, the accident process is immediately initiated, and all necessary clarifications are provided.

Alternatively, you can fill out the online accident report form in the Customer Area on Ocidental’s website: register at www.ocidental.pt, then go to Sinistros » Multirriscos Habitação » Participar sinistro.

What is the content of a house?

The content is all of the assets that exist in the house, which are divided in two: common content and special objects.

Common content

All the assets that belong to the Insured person, that make up a home, such as furniture, appliances (built-in or not), tableware, services, clothing, decorations or stereo sets.

Special objects

All the objects with increased value, such as, jewelry, precious materials, antiquities, artworks, coin collections or other assets that are worth more than €1000.

In case the holder of the insurance does not specify the special objetcs, his total amount will be limited, in case of accident, to 20% of the content's total value, up to a maximum of €7500 and €1000 per object.

How can I simulate or subscribe Homin Insurance?

To simulate or to subscribe the Homin Insurance visit an Activo Branch or contact us through the the Support Line +351 210 030 700 (calls to national landline network) +351 918 788 486 / +351 965 998 486 / +351 935 228 486 (calls to national mobile network) 24 hours customer service. The cost of communications depends on the tariff agreed with your telecommunications operator.

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Pub. This information does not dispense with the reading of the legally required pre-contractual and contractual information.
Insurance Agent: Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 217.600.000 Euros, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 500 734 305. Insurance Agent registered under nr. 419501226, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the Life and non-Life insurance. For information and further registration details, please visit the Insurance and Pension Funds Supervision Authority Website. The Insurance Agent is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Agent does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.
Logo Ocidental
Ageas Portugal – Companhia de Seguros, S.A. Head office at Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal person number 503 454 109. CRC Porto. Share capital of € 7.500.000. ASF Register 1129, www.asf.com.pt

Personal Data Protection and Insurance Mediation
ActivoBank, as insurance intermediary, carries out its business of distribuing insurance to the Insurance Company Ageas Portugal - Companhia de Seguros, S.A. (Non-Life Branch) and to the Insurance Company Ocidental – Companhia Portuguesa de Seguros de Vida, S.A. (Life Branch). In order to carry out this simulation, it may be necessary to proceed with the collection of personal data (such as identification and contact details, among others that may be necessary) to be transmitted to the Insurance Company.