Hogar Prestigio: premium home cover for high-value properties
Licensed Broker
DGSFP Registered
Everything in Integral, plus personal accident cover, electrical damage protection, dangerous-dog civil liability, comprehensive legal defence and digital help services.
Pricing per property. Get a free quote in 24 hours.
From €400/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. Tell us about valuable items, electrical equipment, and any classified-breed dogs (PPP) so we can size cover correctly.
What's covered
Cover included as standard with Premium home cover
All-risks material damage
Anything not specifically excluded is covered for both building and contents.
Personal accident
Cover for personal injury to household members from accidents at the property.
Electrical damage
Damage to electrical appliances and wiring from power surges, short circuits and similar events.
Dangerous dog civil liability
Civil liability cover specifically for breeds classified as dangerous under Spanish law (PPP - Perro Potencialmente Peligroso).
Comprehensive legal defence
Full legal defence for all home-related disputes - neighbour disputes, contractor problems, tenant issues if applicable.
Digital help services
IT support, smart-home device assistance, online security guidance.
Everything in Integral
Fire, water, theft, glass, garage vehicles, food spoilage - all included.
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 declared sum insured (declare valuable items separately)
- Treatments excluded by the General Conditions
Hogar Prestigio, in one paragraph
Hogar Prestigio is the flagship Caser home plan for high-value properties and households that want maximum legal protection. Everything in Integral plus personal accident cover, electrical damage protection (useful with Spanish grid fluctuations), dangerous-dog civil liability (PPP breeds), comprehensive legal defence and digital help services. Right for villa owners, expensively-furnished properties, and anyone whose dog is on the PPP list.
Why Hogar Prestigio 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 and any high-value items.
- 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
Who is Prestigio for?
Owners of higher-value properties (€500k+ build value typical), villa owners, anyone with PPP dog breeds, and households who want the most comprehensive legal protection.
What's the dangerous dog cover?
Under Spanish law, certain breeds (PPP - Perros Potencialmente Peligrosos including Pit Bull Terrier, Staffordshire Bull Terrier, Rottweiler, Akita Inu, Tosa Inu and others) require specific civil liability insurance. Prestigio includes this. Esencial and Integral don't, you'd need a standalone PPP policy.
How does electrical damage cover work?
Damage to electrical appliances and wiring from power surges, short circuits and similar events is covered as standard. Useful in older Spanish properties with frequent grid fluctuations.
How much does Prestigio cost?
Pricing is per property - typically 30 to 50% more than Integral for comparable properties. Get a free quote in 24 hours.
Should I take Prestigio or Integral?
Prestigio if you have a high-value property, a PPP-classified dog, valuable electronics, or you want the most extensive legal cover. Integral is fine for most mid-value properties.
Get your Premium 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.