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Home insurance

  • Different modules with the coverage and services you need.

  • 10% no-claims bonus

  • With DKV Hogar, not only will you enjoy the best cover with 24 hour Home Assistance , but also look after your surrounding and your family's health.

  • Wide Civil Liability and Legal defence cover:

  • Are you one of those people who doesn't know where to start when it comes to putting up curtains? We have the Handyman Service just for you! It's free, offering you professional help for a wide variety of household jobs.

  • IT Assistance: Do you need help with the technological advances? An expert will help you.

  • Repair service for household appliances without warranty and not older than 7 years old, with the call-out and labour costs covered.

  • From 8€/month

home insurance

Home Insurance

Cover included in the HOME INSURANCE


  • Material damage

    Caused to the building and/or content due to inclement weather, vandalism, floods, fires, leaks, breakage, etc.

  • Extension of guarantees

    We guarantee up to 100% of the insured amount for building or content against direct material damage to the insured property as a result of the aforementioned risks.

  • Water damage

    Caused by breakage or clogging of fixed water distribution pipes, floods from shut-off valves, overflowing from fixed refrigeration devices, water leaks and excessive water consumption.

  • Breakages

    Replacement and transportation and installation costs for windows, glass and mirrors, bathroom fittings, marble, granite and the glass top of kitchen hobs.

  • Civil liability

    Compensation for material damage and/or bodily harm involuntarily caused to third parties.

  • Cover for theft

    Provided that the building and the contents are insured, theft of furniture and belongings and damage caused to locks, doors, windows, floors, etc. will be covered.

  • Extension of coverage

    Garden damage, aesthetic restoration of the building and contents, breakage of electronic devices' screens, etc.

  • Legal protection

    Protection in the private life of the insured person and their family: third-party liability, utilities contracts, legal and criminal defence, legal proceedings in the event of illegal occupation of property and extrajudicial advice.

  • Medical phone lines

    Free medical advice through medical helplines: 24h DKV helpline, paediatric (SJD Hospital), childhood obesity, pregnancy, sports, nutrition, tropical and psycho-emotional.

  • Health services at reduced rates

    DKV Club Salud y Bienestar enjoy access to a catalogue featuring services such as assisted reproduction, myopia and presbyopia surgery and online parapharmacy, among others, at a reduced price.

Optional Cover

  • First-loss damage to the building to complement the Residents' Association insurance.

  • Vehicles in garages

    Direct material damage to vehicles as a result of fire, explosion and/or lightning strike while they are parked inside the private garage of the insured property.

  • Extension of Civil Liability

    Possibility of increasing the capital insured for Civil Liability.

  • Second home

    If you would like to insure your second home, you will obtain a discount if your habitual home is already insured with us.

Insurance Modules


We adapt to what you really need:


  • Plus Modality: Advanced insurance with the broadest cover, such as breakage of screens of technological devices, and cover limits.

  • Complete Modality: The best response to the most common risks and unforeseen events.


  • Basic Modality: Insure only the essential risks at the best price.

  • Fire Protection Modality: Only cover the requirements of the Mortgage Act.

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