What cover is not included in my home insurance?

Home insurance generally covers a wide range of common risks, such as fire, theft, water damage and civil liability.
 

In home insurance there are important exclusions and limitations that you should be aware of to avoid unpleasant surprises in the event of a claim.

• Damage due to specific natural disasters: events such as earthquakes, tsunamis, volcanic eruptions or floods are not usually included in basic policies. In Spain, these risks can be covered through the Insurance Compensation Consortium, but it is important to check this additional protection.

• Wear and tear and lack of maintenance: damage caused by continued use, natural ageing or lack of maintenance (such as cracks in walls or broken household appliances) are excluded from the cover.

• Theft or damage outside the insured property: items you take with you outside the home are usually not covered, unless the policy includes this specific cover.

• Intentional or negligent acts: damage caused intentionally or through gross negligence by the insured person or his/her family members is not covered.

• Damage to vehicles: vehicles require specific insurance and any damage they suffer is not covered by home insurance.

• Loss or damage of specific valuable objects: jewellery, collections, works of art, or high-value items may have low compensation limits in the basic policy and often need additional cover to be protected.

How can I extend my home insurance cover?

To avoid surprises and be fully protected, it is essential to carefully review the conditions of your policy and consider taking out additional cover according to your needs. Many insurers offer extensions to include valuable objects, theft outside the home or damage from natural phenomena.

Additionally, expert advice will help you adapt your insurance to the specifics of your home and lifestyle, ensuring adequate protection.
 

DKV home insurance: complete and personalised cover

In DKV Hogar we offer a flexible policy that allows you to choose the cover you really need, combining basic protection with advanced options. We protect both your home and its contents, including valuables and theft outside the home, with comprehensive assistance in case of any unforeseen event.

Trust in DKV to enjoy maximum peace of mind, with rapid assistance services, extended civil liability, and cover tailored to each customer.

Discover all the benefits of our DKV home insurance and protect what matters most to you.