Hogar Integral: comprehensive home cover for owners in Spain
Licensed Broker
DGSFP Registered
Everything in Esencial, plus all-risks material damage and cover for vehicles or vessels in the garage. Our most-bought home plan.
Pricing per property. Get a free quote in 24 hours.
From €220/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.
What's covered
Cover included as standard with Comprehensive home cover
All-risks material damage
Cover for accidental damage to the building and contents - broader than the named-perils approach in Esencial.
Fire, lightning, explosion
Building and contents.
Water damage
Internal leaks plus plumbing investigation and repair.
Theft & burglary
Contents, attempted theft, damage to locks and doors.
Glass & breakages
Windows, mirrors, sanitary ware, glass-ceramic hobs.
Vehicles & vessels in garage
Cover for cars, motorbikes and small vessels stored in your garage.
Aesthetic reconstruction
Decorative finishes restored 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 for legal disputes related to your home - neighbour disputes, contractor problems, etc.
Enhanced travel-related emergency support.
Specialist services for older household members.
Higher cover than Esencial for damage caused to third parties.
Locksmith, electrician, plumber, glazier emergency call-outs.
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)
- Items above the contents sum insured (declare valuable items separately)
- Treatments excluded by the General Conditions
Hogar Integral, in one paragraph
Hogar Integral is the comprehensive Caser home plan and our most-bought home product. You get everything in Esencial - fire, water, theft, glass, food spoilage - plus all-risks material damage (anything not specifically excluded), and cover for cars, motorbikes and vessels stored in your garage. Optional add-ons include legal defence, VIP travel assistance and Amayores elderly-care services. Right for owners of mid-value properties who want broad protection without the price of Prestigio.
Why Hogar Integral 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
What does 'all-risks' mean?
Esencial uses a named-perils approach - only specifically listed events are covered. Integral uses all-risks for material damage - anything that isn't specifically excluded is covered. In practice this means accidental damage you might struggle to claim under Esencial (e.g. dropping something heavy on a glass tabletop) is covered under Integral.
Is the garage really covered?
Yes - Integral covers cars, motorbikes and small vessels stored in your garage against theft, fire and other covered events. (You still need separate vehicle insurance for road use.)
How much does it cost?
Pricing is per property and depends on building reconstruction value, contents value, postcode and use type. Get a free quote in 24 hours.
Should I take Integral or Esencial?
Integral if you own the property, the contents are above ~€20,000, or you want peace of mind on accidental damage. Esencial if you're a tenant or you have minimal contents and want the cheapest legal cover.
Can I add holiday rental cover?
Standard home insurance, including Integral, excludes commercial use. Use our Holiday Home Insurance product for properties on Airbnb, Booking, etc.
Get your Comprehensive 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.