Hogar Esencial: basic home cover for residents in Spain
Licensed Broker
DGSFP Registered
The starter plan: fire, lightning, explosion, water damage, theft, glass and food spoilage, with optional add-ons for civil liability and assistance.
Pricing is calculated per property. Get a free quote in 24 hours.
From €120/year
Quote-based. Depends on property type, value and location.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, half-yearly, quarterly or monthly - no surcharges.
Same-day cover activation. We need: building reconstruction value, approximate contents value, postcode, and whether the property is your main home or holiday home.
What's covered
Cover included as standard with Essential home cover
Fire, lightning, explosion
Damage to building and contents from fire, lightning strike and explosion.
Atmospheric phenomena & flooding
Storm damage, hail, flooding from external water sources.
Water damage
Damage from internal water leaks plus the cost of plumbing investigation and repair.
Theft & burglary
Theft of contents, attempted theft, damage to locks and doors during a break-in.
Glass & breakages
Windows, mirrors, sanitary ware (toilets, basins), glass-ceramic hobs.
Aesthetic reconstruction
Restoration of decorative finishes after a covered loss.
Food spoilage
Reimbursement for food spoiled by power outage or fridge breakdown.
Optional add-ons
Extend cover by adding any of these to your policy at quote stage.
Cover if you (or your pet) cause damage to a neighbour, third party or shared property.
Locksmith, electrician, plumber, glazier - emergency call-out cover.
Help with travel-related home emergencies.
IT support for home computers and devices.
Waiting periods
- ·None - same-day activation once the policy is issued.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Damage from wear and tear or lack of maintenance
- Holiday rental / Airbnb activity (use Holiday Home Insurance instead)
- Items above the contents sum insured (declare valuable items separately)
- Treatments excluded by the General Conditions
Hogar Esencial, in one paragraph
Hogar Esencial is the entry-level Caser home insurance: named-perils cover for fire, water damage, theft, glass and food spoilage. With optional add-ons for civil liability, home assistance (locksmith/plumber/electrician), travel assistance and IT support. Best for tenants and budget-conscious owners with straightforward properties. If you own a more valuable home or want all-risks cover, look at Integral or Prestigio.
Why Hogar Esencial through ExpatInsurances
We've been arranging Caser policies for English, German, Finnish, Swedish and Spanish-speaking residents in Spain since 2011. Caser is one of the longest-standing insurers in the Spanish market - over 75 years - and we are a multiportfolio agency, so the same person who quotes your home policy can also handle your health, car, pet or travel cover. One contact, five languages, full Spain (mainland, Canary and Balearic Islands).
How quoting works
No commitment until you accept. We never share your data with third parties.
- You request a quote via the form, WhatsApp or phone.
- We come back to you within 24 hours with a written quote based on your property details.
- You confirm the cover level and any add-ons you'd like.
- Cover starts the same day the policy is issued and first payment is received.
Frequently asked questions
How is Esencial different from Integral and Prestigio?
Esencial is the starter tier with named-perils cover (fire, water, theft, glass, etc.). Integral upgrades to all-risks material damage and adds garage vehicles cover. Prestigio adds personal accident, electrical damage, dangerous-dog liability and digital help services.
How much does Hogar Esencial cost?
Pricing is per property and depends on the reconstruction value of the building, the value of contents, postcode and whether it's your main residence. Get a free quote in 24 hours.
When does cover start?
Same day, once the policy is issued and first payment received.
Can I add Airbnb / holiday-let cover?
No - standard home insurance excludes commercial use including holiday rental. We have a separate Holiday Home Insurance product for properties you rent on Airbnb, Booking, etc.
What's NOT covered as standard?
Wear-and-tear, lack of maintenance, items above declared sum insured, holiday rental activity, and exclusions in the General Conditions.
Get your Essential home cover quote
Fill in the details and our team will come back to you with a written quote.
Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.
Policy documents
Underwritten by Caser - 75+ years in Spain
Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros S.A. (Caser)
Registered with the Dirección General de Seguros y Fondos de Pensiones.