Home insurance cover you didn't know you had

The home insurance is an essential tool to protect our home and our belongings, offering financial support in a wide variety of unforeseen events. Next, we will detail the most common cover it offers and other cover that usually goes unnoticed but which is also important when it comes to protecting your home. 

Common cover included in home insurance

• Damage to property: this is the basis of any home insurance policy. It covers the structural damage caused by unexpected events such as fires, water damage, storms, vandalism or burglary. Make sure that all household items are included, from the ceiling to the floor.

   

• Contents:  this section protects your personal belongings, such as furniture, household appliances, clothes and valuable items (jewellery, works of art, etc.).  

   

• Civil liability:  It is responsible for covering any damage caused by the insured person to third parties. In the case of home insurance, it makes it possible for you not to pay your downstairs neighbour, for example, if you produce dampness in his or her roof due to a household accident or appliance breakdown.

Otras coberturas diferenciales en un seguro de hogar

• Animales domésticos:  independientemente de la modalidad de home insurance que tengas contratada, con DKV la responsabilidad civil de tu perro queda cubierta. Remember that to benefit from this coverage, you must indicate the name of your dog, its breed and its chip number.

   

• Reparación de electrodomésticos:  el DKV home insurance se hará cargo de los costes por desplazamiento y mano de obra en caso de que necesites reparar un electrodoméstico cuya garantía no esté en vigor (aparatos con menos de 7 años).

   

• Cobertura por robo o atraco:  quedarán cubiertos el robo de mobiliario y enseres asegurados, así como los desperfectos en cerraduras, puertas, ventanas, suelos, etc. El seguro DKV Hogar, incluye además cobertura por robo del dinero en efectivo que pudiera haber en el interior de la vivienda, hasta el límite especificado en la póliza contratada.

   

• 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 are looking for insurance with 24/7 home assistance to take care of any breakdown, installation or home improvement, with a janitor service included. our home insurance is your best option.

When taking out home insurance, we recommend going over the cover included. DKV Hogar offers you different options to take care of and protect your home based on your needs, from just €10.70/month.