What does my civil liability insurance policy cover?

Essential cover to protect you against damage you may cause to third parties
 

Third-party liability insurance is one of the most important covers included in a home insurance policy. home insurance. Its main purpose is to protect you against accidental damage, whether material or personal, caused to third parties—either as a homeowner or through your day-to-day actions or those of your family.
 

What situations are covered by third-party liability insurance?

This cover protects you when you are legally held responsible for damage caused to others. Some real examples:

• Water damage: A burst pipe in your home causing water damage to the flat below.

• Construction elements: A tile falling from your roof and damaging a parked car.

• Explosions or fires: An accidental explosion in your home affects adjacent homes.
   

Who does this coverage protect?

When you insure your home contents, you are also including private liability cover for yourself and your household. This applies to:

• The policyholder.

• Your spouse or civil partner.

• Children or dependants living with you in the insured property, with no age limit.

This means the cover acts as a safety net for your whole family in case anyone accidentally causes harm to others.
 

Everyday activities also covered

Third-party liability insurance also covers many aspects of daily life, such as:

• Actions carried out as head of the household.

• Hiring contractors for minor works in your home.

• Taking part in non-professional sports.

• Use of non-motorised vehicles (bicycles, scooters, etc.).

• Ownership or use of non-motorised boats.

• Engaging in activities such as camping.

• Being a pedestrian on public roads.

• Keeping domestic pets or companion animals.

DKV Hogar: your legal protection is also covered

In DKV we understand that peace of mind means not only protecting your home, but also being backed by legal support if needed. That’s why our home insurance includes both family and personal liability cover as a key part of its protection.

We also offer comprehensive cover that also includes legal defence and claims for damages, ensuring you are fully protected against unexpected events both inside and outside your home.

Choose security and peace of mind with DKV Hogar. More than a home insurance policy: comprehensive cover for you and your family.