Your home is that place where everything should be under control... until one day it's not.
A pipe bursts, the neighbor floods you, a window breaks or something disappears when you are on a trip.
And that's when you discover that having a good home insurance is not optional, it is peace of mind..
It happened to me: I spent years paying for insurance that, when I needed it, did not respond as I expected.
So I got serious, compared thoroughly and found an option that finally delivers.
In this article I tell you what home insurance do I use, why did I choose it? and what you should look for to avoid surprises.
Index
🧩 1. Why talk about home insurance?
Having a good home insurance is not a luxury, it is peace of mind.
Whether you rent or own your apartment, an unforeseen event - a water leak, a burglary or a short circuit - can cost you thousands of euros.
For years I have tried different insurance companies: big companies, online brokerages, “cheap” offers with small print... until I found Tuio, and, frankly, it changed the way I look at insurance.
What do I look for in an ideal home insurance policy?
When I look for insurance, I don't want complications.
My three priorities are:
- Transparency: know what I pay and why.
- Ease: to be able to hire and manage everything online, without calls or paperwork.
- Speed: If I have a claim, I want them to respond within hours, not weeks.
⚖️ 3. Quick comparison of home insurance in Spain (2025)
| Insurance | Approximate price | Online contracting | Flexible cancellation | Average rating |
|---|---|---|---|---|
| Mapfre | From 130€/year | Partial | No | ⭐⭐⭐ |
| Direct Line | From 110€/year | Yes | No | ⭐⭐⭐⭐ |
| Mutua Madrileña | From 140€/year | Partial | No | ⭐⭐⭐ |
| Tuio | From 5€/month | ✅ 100% online | ✅ Yes, anytime | ⭐⭐⭐⭐⭐ |
| Others (AXA, Zurich, etc.) | From 120€/year | Partial | No | ⭐⭐⭐ |
What is Tuio and why is it revolutionizing the market?
Tuio is a 100% digital insurance company created in Spain that operates by monthly subscription, without permanence or fine print.
Its philosophy is simple: “Safe, fair and transparent.”.
In addition, Tuio returns part of the money not used in claims to social causes, This is something that no traditional insurance company does.
In other words: if there are fewer claims, everyone wins.
🚀 5. Advantages of Tuio over other home insurances
- Fixed monthly price from 5 €/month
- No commitment: you can unsubscribe at any time
- All online, no calls or visits from agents
- Real customer service, fast and by chat
- Paperless claimssend photos, and that's it
Tuio breaks with the traditional “sign and forget” model.
Here you have total control from your cell phone.
🛡️ 6. Tuio home insurance main coverages
Tuio offers a very complete coverage that adapts to your home:
- Water, fire or electrical damage
- Theft or vandalism
- Civil liability (if you damage third parties)
- 24h home assistance
- Personal belongings and pets
Example: If a water leak wets the neighbor's roof, Tuio takes care of it. No paperwork, no hassle.
🧭 7. How to hire Tuio step by step
- Enter in tuio.com
- Calculate the price by entering your address and housing type
- Customize coverage according to your needs
- Contract online with your credit card or bank account
- You receive the digital contract instantly
👉 In 2 minutes you have your home insured.
🧑💻 8. My personal experience with Tuio
I took out Tuio a few months ago because I was looking for uncomplicated insurance.
The process was very easy, all online and without calls.
I recently had a small leak in the bathroom and was attended to in less than 24 hours.
No insurance company has ever responded to me so quickly.
In addition, I loved being able to cancel and reactivate the policy from the app without penalty.
💬 9. Real customer reviews Tuio
According to Trustpilot and Google Reviews, Tuio has an average rating of 4.8 / 5 stars.
Users highlight:
✅ The speed of incident management
✅ Close attention by chat
✅ Ease of contracting
✅ The right price with no surprises
Frequently Asked Questions about Tuio
Can I cancel anytime?
Yes, without permanence.
Is it suitable for rental apartments?
Yes, you can insure both permanent and rented housing.
How do I report a claim?
From the app or web, in minutes.
What happens if I have a serious claim?
Tuio covers the damage and takes care of the entire repair or compensation process.
Conclusion: Is Tuio worth it?
After comparing and testing, yes.
Tuio is the home insurance simpler, more modern and transparent I have found.
Ideal if you are looking for something:
- No commitment
- Economic
- With good service
- Y 100% online
👉 Hire Tuio here and protect your home today.
12. Bonus: how to save on your homeowners insurance
- Review each year whether you are still paying a fair price
- Avoids duplicate coverage (bank + own insurance)
- Use Tuio's referral programs
- Insure only what is necessary
- Always compare before renewing
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