DKV Agent in Spain I Stenzig Group
Mobile phone: (+34) 626 201 805 | Telephone: (+34) 952 54 73 04
Health and well-being
With DKV home insurance, you get the best insurance cover in relation to the quality/price ratio on the market. We offer you a wide range of solutions and guarantees to protect your home. Depending on the level of cover you need. Choose between the Basic, Complet or Plus modalities.
DKV Hogar
House and contents insurance
DKV The home contents insurance that protects your home inside and out. DKV takes care of your home.
An insurance that offers you the best cover for fire, explosion, electrical damage, rain, wind, snow, water damage, etc., in addition to cover for damage to your home caused by burglary and robbery. A bonus of up to 10 % is granted for no claims. If the main home is already insured with DKV, an additional discount is granted for the second home. Civil liability and comprehensive legal protection. 24-hour home assistance: provides you with qualified personnel to attend to any breakdown, installation or improvement in your home. There is also an appliance repair service: the labour warranty is extended to 7 years. If you need computer support or help with new technologies, an expert will advise you.
24-hour home help
DKV puts qualified personnel at your disposal to deal with any breakdown, installation or improvement in your home. You can request this service 24 hours a day by calling 976 991 198. Travelling expenses are covered by DKV Hogar. The cost of materials and labour will be borne by the insured person.
Specialists available:
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Plumbers, electricians and carpenters
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Blind repairers, plasterers and glaziers.
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Locksmiths and metalworkers.
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Domestic appliance repairers and door openers.
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Painters and bricklayers.
DKV Hogar is the household contents insurance with the best cover to protect your property.
Different options to choose your insurance policy according to the cover you need.
24-hour home assistance.
Handyman service and repair of electrical appliances.
Bonus of up to 10% for no claims.
Second home discount: 10% discount forever, regardless of whether it is a rented or second home.
DKV Hogar is the home contents insurance that gives you the best protection for your home.
DKV Hogar protects you against numerous risks both inside and outside your property, such as fire, water or natural hazards, breakage, theft and even personal injury or accidents: Fire, water or natural hazards, breakage, theft, civil liability and even for personal injury or accidents to the insured person and their family, replacement of food in the fridge, replacement of locks, etc.
Included cover
Fire and explosion protection and extended guarantees
Up to 100 % of the contractually agreed amount for material damage to the building and/or contents caused by fire, explosion, lightning, storms, flooding, vandalism, etc.
Water damage
Due to burst or blocked pipes, spilt liquids, overflowing refrigerators, water leaks and the resulting excessive water consumption.
Breakage damage
Replacement and costs for transport and installation of windows, glass, mirrors, sanitary ceramics, marble, granite and glass from kitchen hobs.
Civil liability
Compensation for damage to property and/or personal injury caused unintentionally to third parties.
Insurance cover in the event of theft
Theft of furniture and objects covered by the insurance, as well as damage to locks, doors, windows, floors, etc. are covered.
Legal protection
Claims for damages against third parties, supply contracts, tax and criminal defence, legal claims in the event of illegal occupation of the property.
Services included
Handyman service
Professional help for a wide range of household tasks: installation, maintenance and DIY work.
Repair of household appliances
For electrical appliances that do not have a valid warranty and are less than 7 years old (travel costs and labour).
24-hour home help
For any breakdown, installation or improvement in your home.
Computer assistance
For problems with the functioning of your computer and the configuration of mobile phones, tablets, etc.
Complementary health services to your DKV Club Salud y Bienestar insurance.
Optional cover
You have the option of increasing the sum insured for civil liability.
You can insure damage to the building at first risk to complement the community insurance.
Possibility of insuring damage to privately used vehicles in the garage of the insured property as a result of fire, explosion and/or lightning.
We offer a wide range of solutions and guarantees to protect your home. Depending on the level of cover you need. Choose between the Basic, Complet and Plus modalities.
Product modalities
Frequently asked questions
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¿What is the "Continente" (continent) and the "Contenido" (content)?"It is understood by continent the value of one's own dwelling, the edification in itself: Foundation walls, walls, doors, windows and roofs, including adjacent structures such as courtyard, garages, terraces, swimming pools and sports facilities, as well as its fixed installations (heating, water supplies, light, gas, solar panels, etc.). The term content refers to the personal assets, as the furniture (including the fixed kitchen furniture and bathroom), clothes, books, music, objects of furnishing, domestic household goods, electrical appliances, computers and technology, normal jewels, etc. located inside the insured property and owned by the Insured, their relatives or persons living together in the dwelling.
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¿ How do I calculate my continent and contents capital?To be able to calculate the value of the continent and the price of the insurance, we ask you: type of house, year of construction M2, quality of the house and province where the house is located. The capital is underwritten for the entirety of the dwelling (including the share of the co-ownership fee if this dwelling belongs to a community under a horizontal ownership regime). DKV EcoHogar will pay compensation for the value of the contents at replacement value, as defined in the General Conditions. For this purpose, however, the insured person must prove, with our assistance (as this is his own subjective assessment), sufficient and adequate capital to replace all the items in his home, including fixed kitchen and bathroom furniture, in the event of a claim. Since the fixed kitchen and/or bathroom furniture is part of the household effects, we recommend insuring the household effects with a minimum capitalisation of between 25.000 and 30.000 euros for an average dwelling that is the usual place of residence and is occupied by three or four people.
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¿How can I insure jewellery and special valuables?> Jewellery (jewels, precious stones, watches, gold coins …): With DKV, you have the advantage that 10% of this capital is included in the household contents insurance for normal or usual jewellery in an average flat. If the value of this jewellery exceeds 10% of the sum of the total contents, but not more than 6.000 euros, this excess can be insured subject to an express declaration and payment of the corresponding premium. Jewellery with a unit value of more than 2.000 euros must also be declared. > Objects of special value: pictures, silver cutlery, sculptures, coin and stamp collections, leather goods, etc. Objects of special value are listed if their individual value or the value of the whole to which they belong exceeds Eur 3.000.
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¿What does my insurance cover?It is important that you contact us to find out about the different modalities that are at your disposal and that allow you to adapt them to your needs. You can choose the mode according to your coverage needs. From the Plus mode, the most advanced, or the Complet mode, with extensive coverage, to the Basic mode, which covers only the most basic guarantees at an affordable price. Finally, it has the Fire modality more directed, only to set the requirements of the financial facilities for a mortgage.
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¿What benefits are included in my policy?DKV 24-hour household help: Available for any household emergency. "Manitas" service: Providing professional help for a variety of household tasks. Home appliance repair service: Work guarantee extended to 7 years. Environmentally Friendly Services: Facilitate a healthy environment and good housing sustainability practices. Access to DKV Health & Wellness Club: medical and wellness services at special prices for subscribers only. IT and technology support: need help with new technologies? An expert will advise you. 24-hour telephone psychological support.
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I am a tenant, do I need to take out insurance?"If you live in a rented house, you should definitely also take out liability insurance to cover damage to the owner's property and third parties (neighbours, etc.). By securing the contents or furniture, you automatically secure it. You should be aware that if, for example, a fire breaks out in the kitchen, in addition to the damage to the house, there may also be possible damage (e.g. smoke) to the community yard or other flats. The insurance companies of these injured third parties or they themselves may hold you liable for the damage caused. Therefore, the most important guarantee you must have is civil liability, and you will have it included when insuring the contents. When you insure the contents of the house, you will have to value your own assets as well as the assets for which you are responsible in the house. In other words, the totality of the goods, including, for example, the fixed kitchen furniture.
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The house has homeowners insurance. Is it necessary to take out house or contents insurance?Of course, if you want to have your house insured. The insurance policies taken out by the community usually cover the common parts of the building, so the parts that are their exclusive property are not insured. Therefore, contrary to appearances, the fact that the community insures the building does not mean that all the parts that make up the building are automatically insured. The furniture must be insured and this is not covered by the community policy. Damage to the dwelling is also not covered under certain guarantees. As if that were not enough, civil liability as an occupant of the dwelling is not covered either. For all these reasons, private insurance is necessary if the occupant, owner or tenant, wants peace of mind and adequate protection for their home and their obligations to third parties.
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¿What does my liability insurance cover?It generally covers the obligations that arise for us from property damage and personal injury that we cause to third parties. This damage can occur if you are the owner of the house and is insured if you have the continent insured. Example: broken pipes causing damage to the floor below, a tile falling from your family home damaging a parked vehicle, or damage to building floors from an explosion. The household contents insurance also covers your private liability and that of your family living with you, including children, regardless of their age, as long as they have their main residence in the insured home. This also includes acts as head of household, contractor of minor works, sportsman, owner or user of non-motor vehicles, owner of boats, camping, pedestrian, owner of pets or domestic animals, etc.
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¿Is liability for my dog included?If you have insured the furniture or household effects, you are covered for any civil liability you incur as the owner of the dog, with the exception of dogs that are considered potentially dangerous by law.
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¿What should I do in case of an accident?If you have had damage and need the services of a professional: a plumber because of water damage, a glazier because of a broken window, or you have forgotten your keys in the house and need a locksmith to open the door, you can (depending on whether you have buildings or contents insurance or both, and depending on the cover you have taken out) use the Home Assistance services that DKV makes available to you 24 hours a day. To do so, simply call: 976 991 198 or 902 499 300.
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¿What happens in the event of a claim if my capital is less than the correct amount?If you have insured your property at a lower value than it is entitled to (underinsurance), the company may apply the proportionality rule in the event of a partial loss, i.e. you will be compensated in proportion to the capital sums you should have insured. Example: If your goods were insured for 60% of their correct value, the compensation you would receive would also be 60% of what you would have received if you had insured them for 100%. In the event of a total loss, the company will compensate you up to a maximum of the capital insured in the policy. However, DKV applies a margin of tolerance not to apply such a rule if the differences are not obvious.
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¿Can I make changes to my policy before it expires?Some aspects of your policy can be changed: increase or decrease the capital, include jewellery or items of special value, change the risk situation, etc.
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¿Can I have my household insurance paid in instalments?When the policy expires or when you take out the contract, you can choose between three forms of payment: annually, semi-annually or quarterly. The resulting net premium per receipt must be equal to or greater than 50,- Eur.
Documentation
Download the documentation
Get to know everything your home insurance offers you: coverages and additional services.
Check the information document on the insurance product.
DKV
Hogar Plus
DKV Hogar Plus is an insurance policy that covers damage to the insured home and the resulting liability. The contract partner has the choice of being reimbursed for the damage incurred or requesting a repair via the DKV Helpdesk. If the damage is not covered by the contract, the contract partner may request the intervention of professionals for the repair, paying only the costs of labour and materials.
DKV Hogar Plus
Damage in the home
Property damage caused by fire, breakage, lightning, damage caused by electrical faults, explosions, food in the fridge, etc.
Theft
Compensation for burglary, robbery or theft in the home.
Civil liability and legal protection
Civil liability for damage that may be caused to neighbours and third parties, both in the event of accidents in the home and in private life, both for the policyholder and for the family with whom he lives.
Caretaker service
Professional help for a wide range of household tasks: installation, maintenance and DIY work.
24-hour home help
For all breakdowns, installations and repairs in your home.
Glass breakage
Glass in windows, doors, mirrors, sanitary ware, glass ceramics, marble ...
Frost damage
Burst pipes, meters and stopcocks, damage to roofs, etc.
Forced eviction
Financial assistance in cases where you have to move out while your home is being repaired due to an event covered by the policy.
Aesthetic damage to the property
Aesthetic restoration of the building and contents.
Accidental damage
To furniture and insured items.
DKV
Hogar Complet
DKV Hogar Complet is an insurance policy that covers damage to the insured property and the resulting liability. The contracting party has the choice of being reimbursed for the damage caused or requesting a repair via the DKV Helpdesk. If the damage is not covered by the contract, the contracting party may request the intervention of professionals for the repair, who will only pay for the costs of labour and materials.
DKV Hogar Complet
Damage to the home
Material damage caused by fire, breakage, lightning, damage caused by electrical faults, explosions, food in the fridge, etc.
Theft
Compensation in the event of burglary, robbery or theft in the home.
Civil liability and legal protection
Civil liability for damage that may be caused to neighbours and third parties, both in the event of accidents in the home and in private life, both for the policyholder and for the family with whom he lives.
Caretaker service
Professional help for a wide range of household tasks: installation, maintenance and DIY work.
24-hour home help
For all breakdowns, installations and repairs in your home.
Glass breakage
Glass in windows, doors, mirrors, sanitary ware, glass ceramics, marble ...
Frost damage
Burst pipes, meters and stopcocks, damage to roofs, etc.
Forced eviction
Financial assistance in cases where you have to move out while your home is being repaired due to an event covered by the policy.
Aesthetic damage to the property
Aesthetic restoration of the building and contents.
DKV
Hogar Basic
DKV Hogar Basic is an insurance policy that covers damage to the insured property and the resulting liability. The contracting party has the choice of being reimbursed for the damage incurred or requesting a repair via the DKV Helpdesk. If the damage is not covered by the policy, the contracting party may request the intervention of professionals for the repair, who will only pay for the costs of labour and materials.
DKV Hogar Basic
Damage in the home
Material damage caused by fire, breakage, lightning, damage caused by electrical faults, explosions, food in the fridge, etc.
Theft
Compensation for burglary, robbery or theft in the home.
Civil liability and legal protection
Civil liability for damage that may be caused to neighbours and third parties, both in the event of accidents in the home and in private life, both for the policyholder and for the family with whom he lives.
Caretaker service
Professional help for a wide range of household tasks: installation, maintenance and DIY work.
24-hour home help
For all breakdowns, installations and repairs in your home.