HOGAR
Home Insurance: Protect the Center of Your World
Your home is much more than four walls: it's your refuge, your investment, and the place where you build your life. A good Home Insurance policy doesn't just protect you against major mishaps — it also solves the small everyday problems.
At our insurance brokerage, we don't believe in one-size-fits-all policies. We analyze the real characteristics of your home (whether you own or rent) to design optimal coverage. We compare the leading companies on the market to offer you maximum protection at the fairest price, with no surprises in the small print.
Which options can you choose?
We adapt to how you use your home and your real protection needs:
Basic / Essential: Designed to meet mortgage requirements or for unoccupied homes. Covers the main structural damage such as fires, explosions and the most common water damage.
Comprehensive (Multi-peril): The most recommended option for your main residence. Adds robust protection for the building (the structure) and the contents (your furniture, jewelry and personal belongings) against theft, vandalism and weather events.
Premium / Home All-Risk: For those seeking absolute peace of mind. Covers virtually any accidental damage that occurs in the home (such as the accidental breakage of a TV screen or a valuable piece of furniture), plus much higher coverage limits.
Key coverages that make the difference
Through our management, we make sure your policy includes high-value guarantees that go beyond the conventional:
Extended Liability: Protects you and your family (including your pets) against damage you may accidentally cause to third parties, such as the classic water leak to the downstairs neighbor.
Home Handyman Service: Free professional visits once a year for small household tasks (hanging lamps, assembling furniture, bleeding radiators, etc.).
24-hour emergency assistance: Immediate dispatch of emergency plumbers, electricians or locksmiths at any time of day or night.
Legal defense and damage claims: Co-ownership issues, disputes with neighbors or claims relating to home service contracts, all fully covered.
Why take it out with our Brokerage?
We don't answer to any insurance company — we answer to you.
When you take out insurance directly with an insurer or through a bank, you're on your own facing a large corporation. When you choose us instead, you gain an expert ally who is always on your side.
100% independent advice: We don't try to sell you a specific brand. We compare the leading companies on the market in real time to offer you the policy that truly fits your budget and needs, with no filler coverage or hidden costs.
Real support when you file a claim: If something happens (a car bump, a leak in the ceiling or a burglary), you won't have to fight with an automated phone line or fill out endless forms. We take care of everything: we file the report, push for the adjuster or repair crew to come quickly, and make sure you receive the fair compensation you're entitled to.
Full management at no extra cost: We manage your contracts, keep an eye on annual renewals so your price isn't raised unfairly, and help you process any changes. And best of all: this whole personalized service doesn't cost you a single euro more than the price the insurer itself would give you.
In short, you leave your insurance in the hands of professionals so that all you have to worry about is enjoying your everyday life with complete peace of mind.