Every week I meet people who are not sure whether they should call the handyman included in their home insurance or if it is better to hire a private professional. Although both services can be useful, the way they work, the times, and the tasks allowed are very different.
Below I explain the real differences between both services.
What does the insurance handyman do
The insurance handyman is an extra included in many home policies, but it is intended only for very basic and quick tasks. They usually offer:
- Hanging pictures or mirrors
- Simple adjustments
- Changing knobs or light accessories
- Assembly of small elements
- Tasks of less than 1 or 2 hours
However, they are subject to many limitations that affect both what they can do and the time they can dedicate.
Limitations of the insurance handyman
- Closed list of allowed tasks
- Cannot disassemble complex elements
- Do not carry out work with professional tools
- Do not include materials
- Do not adjust delicate mechanisms
- Do not solve repairs that require time
- They usually have longer waiting times
Therefore, although it is useful in certain cases, it is not suitable for most real repairs in a home.
What does a handyman at home do in Madrid
A private professional, such as the service I offer, can perform a wide variety of arrangements and small repairs without the limitations of insurance. This includes:
- Complex door and window adjustments
- Blind repair
- Installation of heavy shelves and brackets
- Assembly of complete furniture
- Small carpentry repairs
- Seals in bathrooms and kitchens
- Review of light dampness
- Various tasks in the same visit
The main advantage is that I can adapt exactly to what you need and solve it in less time.
Key differences between both services
1. Type of work
Insurance: basic or decorative tasks.
Handyman at home: real repairs, advanced assembly, adjustments, light carpentry, blinds, etc.
2. Waiting time
Insurance: limited schedule and scheduled visits with days of delay.
Handyman at home: faster and more flexible availability.
3. Duration of the visit
Insurance: normally 1-2 hours maximum.
Handyman at home: the time necessary to leave it well done.
4. Flexibility
Insurance: closed lists, not adaptable.
Handyman at home: fully adapted to your needs.
5. Materials
Insurance: not included.
Handyman at home: I can bring them myself if you need them.
6. Quality of finish
Insurance: priority on speed.
Handyman at home: priority on durability and clean finish.
7. Safety and precision
Insurance: only very simple jobs to avoid risks.
Handyman at home: I can handle mechanisms, light structures, and sliding systems with precision.
When you should use the insurance handyman
I recommend using it when:
- The repair is very basic
- You don't mind waiting several days
- Your policy covers exactly what you are looking for
- You don't need a perfect finish
- You just want to hang or adjust something simple
For example: hanging a picture or a light mirror.
When it is better to hire a handyman at home in Madrid
It is the best option when:
- There is a breakdown that requires disassembling, adjusting, or repairing
- The repair affects doors, blinds, furniture, or windows
- You want a clean and durable result
- You need speed
- You have several accumulated tasks
- The job requires specific tools
- There is a risk that the breakdown will worsen if you touch it
- The insurance does not cover the repair or rejects it
In most real cases, this is the most effective and practical option.
The insurance handyman is useful for very basic tasks, but if you need a real repair, an accurate adjustment, or a professional finish, ideally you hire a private handyman. If you are looking for a Handyman in Madrid I can help you with any home repair, quickly and without complications.
