DKV Home Insurance
DKV Hogar is the home insurance with the best cover to take care of and protect your home.
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Different options for choosing your insurance according to the cover you need.
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24-hour home assistance.
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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?
10% discount forever, whether it is a rented or second home.
Free IT assistance service, handyman and household appliance repair services.
A safe home with an SMS alert service for severe weather events.
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
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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.
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Water damage
Due to breakage or clogging of pipes, floods, overflowing from refrigeration devices, water leaks and excessive water consumption.
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Breakages
Replacement and transportation and installation costs for windows, glass and mirrors, bathroom fittings, marble, granite and the glass top of kitchen hobs.
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Civil liability
Compensation for material damage and/or bodily harm involuntarily caused to third parties.
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Cover for theft
Theft of furniture and belongings and damage caused to locks, doors, windows, floors, etc. will be covered by the insurance.
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Legal protection
Third-party liability, utilities contracts, legal and criminal defence, legal proceedings in the event of illegal occupation of property.
Services included
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Handyman service
Professional help for a wide range of household jobs: installation, maintenance and home improvement work.
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Repairing household appliances
For household appliances without warranty in force and not older than 7 years (call-out and labour costs).
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24-hour home assistance
To help with any breakdown, installation, or home improvement.
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IT Assistance
For problems with the performance of your computer, as well as the configuration of mobile phones, tablets, consoles, etc.
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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
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Possibility of increasing the capital insured for Civil Liability.
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You can insure first-loss damage to the building to complement the Residents' Association insurance.
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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.
DKV Hogar Basic
Insure only your home's essential risks at the best price.
Take it out from €10.70/month
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Damages in the home
Damage to property caused by fire, breakages, lightning strikes, electrical issues, explosions, food in the refrigerator, etc.
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Theft
Compensation for domestic theft, robbery or burglary
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Civil liability and legal protection
Civil liability for potential damages to neighbours and third parties as a result of an accident in your home or your private life, both for the policyholder and family members living at the property.
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Water damage
Burst pipes, leaks, pipe blockages, dampness, etc.
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Handyman service
Professional help for a wide range of household jobs: installation, maintenance and home improvement work.
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24-hour Home assistance
To help with any breakdown, installation, or home improvement.
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Breakage of glass
Glass in windows, doors, mirrors, toilets, ceramic hobs, marble, etc.
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Damage due to frost
Due to the burst of pipes, water meters and water valves, damage to roofs, etc.
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Forced removal
Financial assistance for cases where, due to an accident covered by the policy, you have to move until the problem in your home is fixed.
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Cosmetic damage to the property
Aesthetic restoration of the building and contents.
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Accidental damage
In insured furniture and objects
DKV Hogar Complet
The best response to the most common risks and unforeseen events in your home.
Take it out from €13.50/month
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Damages in the home
Damage to property caused by fire, breakages, lightning strikes, electrical issues, explosions, food in the refrigerator, etc.
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Theft
Compensation for domestic theft, robbery or burglary
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Civil liability and legal protection
Civil liability for potential damages to neighbours and third parties as a result of an accident in your home or your private life, both for the policyholder and family members living at the property.
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Water damage
Burst pipes, leaks, pipe blockages, dampness, etc.
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Handyman service
Professional help for a wide range of household jobs: installation, maintenance and home improvement work.
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24-hour Home assistance
To help with any breakdown, installation, or home improvement.
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Breakage of glass
Glass in windows, doors, mirrors, toilets, ceramic hobs, marble, etc.
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Damage due to frost
Due to the burst of pipes, water meters and water valves, damage to roofs, etc.
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Forced removal
Financial assistance for cases where, due to an accident covered by the policy, you have to move until the problem in your home is fixed.
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Cosmetic damage to the property
Aesthetic restoration of the building and contents.
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Accidental damage
In insured furniture and objects
DKV Hogar Plus
Latest generation home insurance with the most extensive guarantees.
Take it out from €15.70/month
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Damages in the home
Damage to property caused by fire, breakages, lightning strikes, electrical issues, explosions, food in the refrigerator, etc.
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Theft
Compensation for domestic theft, robbery or burglary
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Civil liability and legal protection
Civil liability for potential damages to neighbours and third parties as a result of an accident in your home or your private life, both for the policyholder and family members living at the property.
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Water damage
Burst pipes, leaks, pipe blockages, dampness, etc.
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Handyman service
Professional help for a wide range of household jobs: installation, maintenance and home improvement work.
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24-hour Home assistance
To help with any breakdown, installation, or home improvement.
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Breakage of glass
Glass in windows, doors, mirrors, toilets, ceramic hobs, marble, etc.
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Damage due to frost
Due to the burst of pipes, water meters and water valves, damage to roofs, etc.
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Forced removal
Financial assistance for cases where, due to an accident covered by the policy, you have to move until the problem in your home is fixed.
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Cosmetic damage to the property
Aesthetic restoration of the building and contents.
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Accidental damage
In insured furniture and objects
Download the documentation
Information about DKV Hogar insurance
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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?
In addition to the 24-hour home assistance service and handyman service, it includes the repair of household appliances, computer and technology support, psychological telephone assistance and the DKV Club de Salud y Bienestar.
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.). The term contents refers to items of personal property, such as furniture (including fixed kitchen and bathroom furniture), clothes, books, music, decorative objects, household items, electrical appliances, computers and technology, jewellery, etc. that are found inside the insured property and are owned by the policyholder, family members, or people who live in the home.
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. you just have to call us on 900 810 076. We are available 24/7.
How does my home insurance's 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). All you need to do is call Home Assistance (900 810 076) and the service will be performed from 9.00 to 19.00, Monday to Friday (except bank holidays).
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). You will only have to pay for the damaged part.
I am a tenant. Do I need to take out home insurance?
Conditions of price from*
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*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