DKV Home Insurance

DKV Hogar is the home insurance with the best cover to take care of and protect your home.

  • Different options for choosing your insurance according to the cover you need.

  • 24-hour home assistance.

  • General repairs and household appliances repairs.

From €10.70/month

All the advantages of your home insurance

Why take out a DKV home insurance policy?

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Discount on your second home

10% discount forever, whether it is a rented or second home. 

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Services for your home

Free IT assistance service, handyman and household appliance repair services.

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Prevention in your home

A safe home with an SMS alert service for severe weather events.

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Health services

We care for your family's health with medical helplines and health services at very competitive prices.

What does the DKV home insurance cover?

All the details about DKV Hogar

Cover and services

DKV Hogar is the home insurance with the best cover to look after your home. 

DKV Hogar protects you, both inside and outside the home, from multiple risks, including: fire, water or natural damage, breakage, theft, civil liability and even for personal injury or accidents of the insured and family members, replacement of food in the refrigerator, replacement of locks, etc.

 

Included cover

  • Fire, explosion and warranty extension

    Up to 100% of the insured amount for direct material damage caused to the building and/or content due to fire, explosion, lightning, inclement weather, vandalism, floods, etc.

  • Water damage

    Due to breakage or clogging of pipes, floods, overflowing from 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

    Theft of furniture and belongings and damage caused to locks, doors, windows, floors, etc. will be covered by the insurance.

  • Legal protection

    Third-party liability, utilities contracts, legal and criminal defence, legal proceedings in the event of illegal occupation of property.

Services included

  • Handyman service

    Professional help for a wide range of household jobs: installation, maintenance and home improvement work.

  • Repairing household appliances

    For household appliances without warranty in force and not older than 7 years (call-out and labour costs).

  • 24-hour home assistance

    To help with any breakdown, installation, or home improvement.

  • IT Assistance

    For problems with the performance of your computer, as well as the configuration of mobile phones, tablets, consoles, etc.

  • Health services complementary to your insurance

    Catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.

Optional cover

  • Possibility of increasing the capital insured for Civil Liability.

  • You can insure first-loss damage to the building to complement the Residents' Association insurance.

  • You can insure damage to vehicles for private use parked inside a garage of the insured property as a result of fire, explosion and/or lightning strike.

What home insurance do you need?

Choose the home insurance with the cover that suits you to insure your home.

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Frequently asked questions about home insurance

We resolve your most frequent queries about home insurance

What services are included in my home insurance?

Además del servicio de asistencia en el hogar 24 horas y del servicio manitas, DKV Hogar incluye la reparación de electrodomésticos, la asistencia informática y tecnológica, así como la asistencia psicológica telefónica y el Health and Wellbeing Club.

How can I file a claim for my home with DKV?

To file a home insurance claim with DKV, the free 24-hour helpline number is 900 810 076.

 

You can also file a claim conveniently online via the following link.

What is meant by buildings and contents in home insurance?

The terms buildings refers to the value of the property, i.e. the physical structure: foundations, walls, doors, windows and ceilings.

 

It includes adjacent structures, including patios, garages, terraces, swimming pools, sports facilities, and other fixed installations (heating, water, light, and gas supplies, solar panels, etc.).

 

El término contenido hace referencia a los bienes personales que se encuentren dentro del inmueble asegurado y sean propiedad del asegurado, sus familiares o personas que convivan en el domicilio.

 

Entre ellos, mobiliario (incluido el fijo de cocina y baño), ropa, libros, objetos de decoración, electrodomésticos, ordenadores y tecnología, joyas normales, etc.

What should I do in the event of an incident in my home?

If a fortuitous event occurs in your home, such as a breakage of pipes or glass, fire, burglary, etc. solo tienes que llamarnos por teléfono al 900 810 076.

 

We are available 24/7.

How does DKV's home insurance handyman service work?

It is a professional home assistance for certain home maintenance work, detailed in the policy's general terms and conditions, with a six-month warranty.

 

You will be able to request this service once a year (maximum of three hours). Basta con llamar a Asistencia en el Hogar (teléfono 900 810 076) y el servicio se realizará entre las 9 y las 19h, de lunes a viernes (excepto festivos).

Am I covered if a household appliance breaks down?

Yes, DKV home insurance covers the call-out expenses and first five hours of labour of the professional that repairs your household appliance, provided that it is less than seven years old (washing machine, dryer, dishwasher, refrigerator and television).

 

Solo pagarás la pieza dañada!

I am a tenant. Do I need to take out home insurance?

If you are a tenant, it is also essential to have Civil Liability insurance (CL) to protect yourself against damages that you may cause to the property of the owner or third parties (neighbours, etc.).

 

However, you must bear in mind that if, for example, there is a fire in the kitchen, in addition to the damages caused to your property, the lightwell or the other property's may be damaged due to the smoke. The injured third parties or their insurance companies will hold you responsible for the damages caused.

 

Therefore, the most important form of cover is CL insurance, which is included when you insure the contents of your home. When you do so, you must value your personal belongings as well as the items under your responsibility in the home. In other words, you must include all the contents of the home including fixed kitchen furniture. 

How do you calculate the value of the buildings and contents?

To calculate the value of the buildings and the cost of insurance, we need to know: type of property, quality of the property, constructed area and the province.

 

The capital is subscribed for the entire property (including the quota share of the co-ownership if the property belongs to a community governed by horizontal property regulations).

 

Regarding the value of the contents, DKV Hogar covers replacement costs in accordance with the general terms and conditions. However, to do this, policyholders (as it is their own subjective evaluation), with the help of a broker or at their nearest insurance branch, must establish sufficient funds to replace all the contents of their home in the event of a claim, including fixed kitchen and bathroom furniture.

 

Since fixed kitchen and/or bathroom furniture forms part of the contents, for an average flat which is the main residence and is inhabited by three or four people, we suggest that you insure the contents for at least 25,000 to 30,000 euros.

Should I take out home insurance if I am the owner of a rented property?

Sí, es muy importante. Contratando el continente la póliza te cubrirá la responsabilidad civil inmobiliaria como dueño de la vivienda frente al inquilino y a terceros. Además de todas las garantías, como incendio, daños por agua, robo, etc. 
 

I have taken out a homeowners association insurance policy. Do I need to take out home insurance?

Of course, you can insure your home if you wish.

 

Contrary to what you might think, although the homeowners association insurance covers the building, this does not mean that all parts are automatically insured. In addition to the private areas, it is necessary to insure the furniture, as it is not covered by the homeowners association insurance.

 

Y, por si esto fuera poco, ni la Responsabilidad Civil como ocupante de la vivienda, ni la familiar estará cubierta. Therefore, private insurance is necessary if the occupant, owner or tenant wants peace of mind and to properly protect both their home and their liabilities to third parties.

Is dog liability included?

If you have insured the furniture or contents of your home, this also covers the liabilities that you may incur as a dog owner, with the exception of dogs deemed dangerous by the law.

How can I change home insurance?

The best thing is to make the change upon its renewal.

 

You have to notify your insurance company that you want to cancel your policy with one month's notice. Once you have completed this procedure, you can take out your new home insurance policy, indicating the date on which you want it to become effective, so you are always protected and do not pay extra.

What can I change in my home insurance?

If you already have a DKV home insurance policy, but you would like to change the capital sums or add a cover or you change residence, you can adapt your policy to the new situation.

 

Ask any of our agents or brokers, by telephone or at any branch, about all the available options.

What does the price of home insurance depend on?

A set of factors will determine the final price of your home insurance: the type of property, capitals contracted, province, constructed area, quality of the property's finishes and the property's security measures.

Can I pay my home insurance in instalments?

On maturity or when taking out the policy, you can choose from three payment methods: yearly, half-yearly or quarterly. There is a minimum amount required in order to pay in instalments, ask your agent, broker or branch.

Can I disassociate my home insurance from my mortgage?

Yes. You are not required to take out home insurance with the bank that you signed the mortgage. You can choose freely with which insurance company you want to take out the insurance for your home.

Does my home insurance cover damage to the television?

In the case of DKV Hogar insurance, up to 100% of the sum insured for material damage caused to the contents by fires, explosion, electric damage, lightning, inclement weather and floods is covered. 

 

What unique cover do I have to pay attention to when choosing a home insurance policy?

Below are some of the cover options you probably didn't know could be included in a home insurance policy: 

 

  • Pets: regardless of the type of policy home insurance that you have taken out, your dog's civil liability is covered with DKV. Remember that to benefit from this coverage, you must indicate the name of your dog, its breed and its chip number.

     

  • Reparación de electrodomésticos:  the DKV home insurance the travel and labour costs will be borne if you need to repair an appliance whose guarantee is not in force (devices under 7 years old).

     

  • Cover for theft or robbery:  theft of insured furniture and belongings will be covered, as well as damage to locks, doors, windows, floors, etc. The DKV Home insurance policy also includes coverage for theft of cash that may be inside the home, up to the limit specified in the policy taken out.

     

  • Home assistance or Handyman Services: some insurance policies offer assistance services, which may include emergency repairs, locksmiths, etc. This can be a great relief in the event of minor unforeseen events that are usually costly. If you're looking for a policy with 24/7 home assistance to take care of any breakdown, installation or home improvement, with a handyman service included our home insurance is your best option.

What happens if I don't have home insurance?

Sin un seguro del hogar, tanto tu vivienda como los bienes que tengas en ella estarán expuestos a incendios, inundaciones, robos o daños causados por fenómenos naturales como tormentas, terremotos o granizo. 

 

Tampoco dispondrás de cobertura de responsabilidad civil, por lo que si alguien sufre un accidente dentro de tu propiedad, como una caída por un suelo resbaladizo, o hay una fuga de agua de tu vivienda con daños en la del vecino de abajo, puedes ser considerado responsable de los daños y tener que pagar una indemnización. 

 

Plus, many banks require you to take out home insurance as a condition for awarding a mortgage or a loan to purchase a home.

Does home insurance include legal defence?

Yes, the home insurance ofrece coberturas adicionales como la defensa jurídica. Podrás disponer de asesoramiento legal en situaciones cotidianas, como problemas en alquileres, disputas con vecinos por ruidos o daños en la propiedad, problemas con el cumplimiento de normativas en la comunidad de propietarios.

 

Además, en caso de que la situación se complicase, el seguro cubriría los honorarios de los abogados y los gastos judiciales necesarios para llevar el caso a juicio. 

 

Legal defence also covers legal expenses if you become liable for causing damage to third parties. If someone gets injured in your home and initiates a legal proceeding, the insurance will provide you with the necessary assistance and cover the costs arising from the compensation if you are held liable. 

What happens if my neighbour doesn't have home insurance?

If your neighbour does not have home insurance and has an incident that affects your property (such as a fire or a water leak), they will be personally responsible for covering the damage caused to your home. If they are unable to compensate you, you could find yourself involved in lengthy legal proceedings.

 

Furthermore, if an accident occurs in your neighbour’s home and you are injured, the lack of insurance may make it more difficult for you to receive compensation. 

What happens with my home insurance if I sell my home?

When selling property, you not only have to manage the legal and financial aspects, but also make important decisions regarding the insurance policies you have taken out. 

 

This means that, in general, you should cancel or modify your home insurance, and the new owner will have to take out their own insurance to protect the property they purchase. It is essential that you notify your insurance company of the change of address before moving.

Does my home insurance cover damage due to electrical faults?

In DKV Hogar, if the buildings is insured, damage to the electrical equipment, fixed fixtures and lines that form part of the buildings' installations as a result of lightning, short circuit or abnormal electrical current or a power surge will be covered.

 

If the contents are insured, damage to household electrical appliances and accessories that form part of the property insured as contents, caused by lightning, short circuit or abnormal electrical current or a power surge, will be covered. 

Does my home insurance cover street robberies?

DKV Hogar it will cover robbery outside the home that takes place on the insured person or the people who live with him or her, provided that the insured home is your main residence, you have insured the contents thereof and reported the robbery to the police.

 

The disappearance of cash or documents that represent a guarantee of money shall also be compensated.

Can I include my life insurance in the tax return?

Despite home insurance not being a deductible expense in the annual tax return in most cases, there are exceptions, especially if you carry out an economic activity at home or rent a property.

 

In these cases, you can include a proportional part of the insurance as a deductible expense in your tax return. You must check your country's tax laws, and if you have any doubts about how to proceed, ask a tax adviser. They will help you take advantage of the available tax deductions available and avoid errors in your annual tax return.

Does my home insurance cover mobile phone theft?

With DKV Hogar, you need not worry, our insurance covers robberies outside the home perpetrated against the insured person or the people living with him or her.

 

If you are robbed and your mobile phone is stolen, DKV will cover the cost of replacing it up to the limit of each policy.

Does home insurance cover theft inside the car?

Home insurance does not cover thefts that occur in the car, since it is designed to protect incidents within the home.

 

To protect your car and your belongings inside it, you need to take out an appropriate car insurance.

Does home insurance cover my swimming pool?

Our DKV home insurance, from €10.70/month, offers cover for your swimming pool and its fixed equipment for treating, moving and pumping the water, as well as for sport-recreational facilities or ponds and fountains that are made of masonry and the use of which is private.

Can I change my home insurance if I have a mortgage?

The answer is yes, but with some important considerations to bear in mind.

 

En primer lugar, asegúrate de que el nuevo seguro no solo cubra el valor de la propiedad, sino que también cumpla con los requisitos mínimos establecidos por el banco. 

 

Si no cumples con los requisitos de la hipoteca, el banco podría tener el derecho de imponer cargos adicionales o incluso de contratar un seguro de hogar por ti, lo cual generalmente es más caro.

 

Once you have chosen your new insurance policy, you must notify the bank, so that they can update the mortgage's information. Some financial institutions will ask you to submit a copy of the new policy or to inform them about the changes.

Does my home insurance cover my electric scooter?

With DKV it is possible to insure your electric scooter in your home insurance. Our policy will protect your vehicle if it is damaged within your home, for example, due to theft, fire or flooding.

 

What our home insurance would not cover is public liability, i.e. damage that you could cause while driving your electric scooter. In this case, the only way to be covered is to take out a specific insurance policy to drive with your electric scooter. 

Is my dog's compulsory civil liability covered with home insurance?

With DKV, regardless of the type of policy home insurance that you have taken out, your dog's civil liability is covered.

 

Remember that to benefit from this coverage, you must indicate the name of your dog, its breed and its chip number. (This cover is not available for breeds classified as potentially dangerous.)

Are the solar panels of my house covered in the home insurance?

With DKV Hogar, the solar panels and their installations will be covered under your home insurance. The capital of the building must be insured in order for the solar panels and their installations to be covered by your insurance.

 

To avoid underinsurance, the value of the solar panels should be added to the building's construction value to determine the total sum insured for the building structure.

Conditions of price from*

  • *Price from DKV EcoHogar. Calculation for a flat, main residence, with content amounting to €20,000 and without building. Complet Modality.

Premium from €96/year valid during 2023

You are a DKV customer

Please call us on:

900 810 072

Exclusive mutual society members

Please call us on:

900 810 073

You aren't a DKV customer