Ritmeester Seguros

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Insurance

Seguros del hogar

Home insurance

Your home is more than a house, it is the place that keeps your most valuable memories and belongings, so ensuring its protection is essential, since any unforeseen event can put the tranquility of your home at risk.

Home insurance (also called building insurance) covers damage to your home caused by fire, lightning, storm, explosion, theft and burglary, among other things. This insurance also covers water damage in your own home.

The capital to insure your home is set based on the rebuild value, which represents the capital cost needed to rebuild it, excluding soil and foundation.

On the other hand, the value of the content is much more personal, since it is calculated based on the furniture, jewelry, antiques or other valuables you may have.

What does this insurance include?

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Adequate and fair coverage

This insurance is designed to give you coverage that allows you to protect both your home and your assets.

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VIP coverage

Do you have a house with a construction value of more than 300 thousand euros?
You can adapt your policy with extensive cover to protect your home.

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Coverage of civil liability

This coverage protects in the event that you or a family member is responsible for financial or bodily harm to third parties (including damage that your pet may cause to a third party).
The lack of this coverage could lead to serious financial problems.

Seguros de contenido del hogar

The Home Contents Insurance

Home contents insurance covers damage to items you have in your home. Imagine the damage caused by a fire or a burst water pipe. Or compensation for the things you lost after your home was broken into.

The insurance is tailored to your personal situation, taking into account, among other things, the value of your belongings and your living situation.

As owner, you are already covered for this by your home insurance.

Car insurance

On the road, safety is not an option but a necessity.

The unpredictability of traffic and unexpected situations during any journey make having adequate protection, both for you and others, essential.

Your car insurance goes beyond a simple policy: it is your constant companion that makes every journey safe and worry-free.

Seguro de coche

What does this insurance include?

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Free road assistance

which you can use without affecting your no-claim bonus.

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Accumulated bonuses

We recognize and value documented accumulated bonuses from other insurance companies, whether in Spain or abroad. This allows us to offer you highly competitive premiums on your new car insurance.

Coverage adapted to your needs

+ glass
+ theft
+ fire
+ total loss

*Third party + glass + theft + fire insurance is called civil liability PLUS, which has no excess.

For comprehensive insurance with excess, you have the possibility of choosing between different levels of excess, allowing you to adjust the level of the annual premium. The higher the excess, the lower the premium, giving you flexibility and control over your policy.

So that you can have full coverage of all the services contracted in the policy, without expense limits.

Seguro de vida

Life insurance▼

The future is uncertain, but ensuring the financial security of your loved ones in the event of your death is an act of responsibility.

At Ritmeester Seguros we offer you life insurance designed to give you the best protection, ensuring that your loved ones are financially supported in difficult times.

What does this insurance include?

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Peace of mind for your family

Could your family take care of the mortgage or cover daily expenses if you are no longer around?

Life insurance provides peace of mind that, in your absence, your loved ones have solid financial support.

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Coverage up to age 80

Our life insurance coverage is designed to cover clients up to 80 years of age.

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Medical exams and associated costs

Any costs related to carrying out medical examinations to access the life insurance policy will be covered by the company.

Seguro de salud

Health insurance

Health is the most valuable asset we have, and ensuring its protection is essential to living a full and safe life.

Taking out private health insurance does not mean replacing Social Security, it means complementing it to guarantee that you receive top quality medical care.

At Ritmeester Seguros we advise you on the necessary requirements to access your health insurance so that you can receive the coverage that best suits you.

What does this insurance include?

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Total coverage

If you sign your insurance contract while healthy, the policy will provide you with full coverage in case of future health problems.

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Access to state-of-the-art medical facilities

Medical centers and hospitals equipped with the latest innovations and medical technologies to offer you the highest standards of care and diagnosis.

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Assistance without waiting lists

Asegurándote un acceso rápido a profesionales médicos, exámenes y tratamientos esencialeEnsuring you quick access to medical professionals, essential exams and treatments.
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Seguro de viaje

Travel insurance

It is true that when we travel we usually plan every detail to perfection: routes, schedules, accommodations, activities… However, there is a crucial aspect that we usually neglect: taking out travel insurance.

From flight cancellations to unexpected medical issues, there are factors beyond our control that can radically change the course of your trip or, in the worst case, ruin the entire experience.

These unforeseen events can become a big problem if you do not have adequate coverage and that is why at Ritmeester Seguros we offer you travel insurance designed to give you that peace of mind.

What does this insurance include?

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Coverage against unforeseen events

  • Cancellations
  • Delays
  • Medical and hospital expenses
  • Lost luggage
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Annual travel insurance

Recommended for those who travel more than twice a year and need continuous coverage to protect them on each trip.

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Special coverage for extended trips

If you make trips to Europe or around the world, including the US, Canada and the Caribbean islands, you have travel insurance available specially designed for this type of trips.

Seguro de mascotas

Pet insurance

In your home insurance we already automatically include a policy that covers the civil liability of your pets.

However, some dog breeds are defined as “potentially dangerous” under Spanish law and require a separate, special liability coverage.

  • Pitbull
  • Staffordshire Bull Terrier
  • Amstaff
  • Rottweiler
  • Argentine Dogo
  • Brazilian Row
  • Tosa Inu
  • Akita Inu
  • Dobermann
  • Bullmastiff
  • Bordeaux Dodo
  • Neapolitan mastiff

At Ritmeester Seguros, we offer you specific options to insure these breeds, guaranteeing that you comply with legal obligations.

Seguro de incapacidad laboral
Insurance for total or partial work disability

As we know that the ability to earn income is vital to maintaining our quality of life, and when a prolonged illness or accident affects your ability to work, the financial consequences can be overwhelming.

This insurance is designed to offer you a financial safety net in case you are forced to interrupt your work activity, whether temporarily or permanently, and gives you the peace of mind necessary to face the challenges that may arise during your career.

What can you expect from Ritmeester Seguros?

Experience

More than 40 years living in Spain, 25 of them working in the country’s insurance sector.

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Responsibility

Accurate coverages, ethical decisions and careful management of each policy to protect what matters to you.

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Honesty

Open and clear communication, giving you all the necessary information in a direct, precise and transparent way.

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This is what those who have already trusted Ritmeester Seguros say

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