Does home insurance include legal defence?

The home insurance not only protects your home and your personal belongings against damage or theft, but also offers additional cover, such as legal defence. This cover is designed to help you in legal situations that may arise in relation to your home. Below, we explain in detail what the legal defence cover in a home insurance policy consists in:

•  Legal advice and representation in conflicts: one of the advantages of legal defence in a home insurance policy is the option of receiving legal advice if you need it. This includes queries on everyday legal situations, problems with rentals, disputes about property damage or problems with following the rules of a homeowners' association. In addition, if the situation becomes even more complicated, the insurance will also cover the lawyers' fees and legal expenses required to initiate legal proceedings. 

   

• Cover in conflicts with neighbours: Conflicts with neighbours are common situations where the legal defence provided with home insurance is particularly useful. This may include disputes due to annoying noises, damage to property or disagreements over the use of common spaces. In this type of problem, the home insurance policy will cover the legal expenses required to resolve the conflict, either through mediation or legal proceedings. 

   

• Defence in the event of civil liability: 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. 

   

Taking out home insurance is important when it comes to guaranteeing the security of personal belongings and to providing peace of mind in unforeseen events that may lead to significant economic losses. If you haven't taken out home insurance yet, we recommend that you take a look at our DKV Hogar insurance.