29/9/2020

Startups from the home of the Insurtech Map of the insurance sector

Our homes have always been something important in our lives, and the last few months have reminded us more than ever. El Insurtech map of the insurance sector, developed by Santalucía Impulsa, includes in one of its blocks startups that are somehow innovating to rent, buy or sell a house in a faster and easier way, facilitate home automation or improve neighborhood communities. Do you want to know more? We introduce you Five startups working to make our lives easier when it comes to housing.

AvalVida

AvalVida Offers a Innovative Rental Guarantee which allows you to rent a home, office or premises in an easy, agile and safe way, with One-time commission and payment, which makes it cheaper than other guarantees. The commission varies depending on the amount of the guarantee, including VAT and notary fees. In three steps, the tenant guarantees with the value of your savings or individual income insurance in favor of the owner:

Check if the insurance, plan or rent are eligible for the guarantee.
Email the documentation needed to access the rental guarantee for advisors to review and verify.
If the insurance, plan or rent are eligible for the guarantee, all you have to do is sign the pledge at a notary's office and deliver one of the copies to the landlord.

In the Eligible products AvalVida includes all savings or individual income insurance with the exception of Insured Pension Plans (PPA), Individual Systematic Savings Plans (PIAS) and Individual Pension Plans (PPI). Unit Linked products are also eligible.

Libeen

The startup Libeen offers the possibility of using rent to buy a house, what they have called “the #smarthousing revolution”: when you stop throwing your money away on rent and start using it to buy a new, renovated and furnished house. They are aimed at people who are looking to buy a house in the center of their city or simply stop spending on rent every month and not have to worry about the entrance fee or their savings. Its mission is Helping Young People to Buy a House.It works as follows:

Al Tenet you start paying your rent and they ask you for 5% to move into your new house. Neither the fee nor the final price increases over time.
Al Third year there are two options: contribute another 5% or, if you find something better, they will return 80% of your initial contribution (almost the entire entry).
Al Fifth year you are already the owner of the house and you have saved 20% for the down payment of the mortgage.

Clikalia

Clikalia Promise Sell Your House Quickly and Without Commissions. They define themselves as the first Spanish startup committed to buying your house in seven days and paying you instantly. All this in three steps:

Fill out the form to have an initial offer sent to you within 24 hours. Receiving the offer is completely free of charge and does not entail any type of commitment or exclusivity.
They visit your house, we check that everything is correct and they confirm the offer.
They take care of everything and you get the money.

His proposal is Save yourself time, stress, uncertainty and work which involves taking photographs, posting advertisements, obtaining certificates and all the paperwork. They make you a free offer within 24 hours and, if you accept it, they buy your apartment directly. With this you will have your house sold in days and you will receive your money instantly.

Wattio

The objective of Wattio It is to democratize the Home automation, simple and affordable home automation. Wattio offers a complete solution to turn your home into a smart home easily, quickly, affordably and without building work. It is based on many of the new technological trends of the moment, smart gadgets, big data, cloud computing, etc. With wireless gadgets connected to a home automation control unit, which in turn connects to cloud services, real household consumption data can be obtained. These can be analyzed to find out where more energy is spent or wasted and thus recommend concrete improvement actions, which implies the possibility of saving energy and money. In addition, the startup helps companies around the world to broaden their horizons, providing them with new lines of business; in collaboration with additional insurance, banking or energy services, it will provide added value to customers and will transform the relationship between users and companies.

Comunitaria

Comunitaria is a company focused on providing professional services to Homeowner Communities, which researches and transfers elements of scientific innovation specific to this everyday sector of coexistence. The team provides construction budgeting services to Homeowners' Communities and also manages them if they require it. The startup has developed several products to address the main concerns of homeowners regarding the administration of their Community:

Estimate if the monthly fee they pay is adequate To the services they receive: https://calculadora.comunitaria.com
Get information and instantly calculate the amount of the most common works which are usually carried out in a community (waterproofing, renovations, leaks, energy installations, accesses, etc.), as well as the amount of the most common maintenance (cleaning, gardening, elevators, etc.): https://www.comunitaria.com/obras
Resolve the most common questions related to your community, thanks to a chatbot that can be asked in natural language things as varied as: “Can I make an enclosure for my terrace?” , “How much does it cost to access the portal?” It is freely accessible to the public and can be found at https://supervecina.com
Los Proprietors of the communities they manage also have access to an online platform for Control Everything That Happens in Your Community: meetings, minutes, budgets, invoices, accounts, incidents, defaults, potential savings, etc., which is accessible at https://micomunidad.comunitaria.com
Finally, they have a free service to communities so that they can organize a Online Voting In your community, in a transparent and immutable way thanks to the blockchain, the general public can access it through https://vota.comunitaria.com