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Home » Policies » Zurich Hogar GO! TOTAL — The Top Tier of Home Insurance

Zurich Hogar GO! TOTAL — The Top Tier of Home Insurance

Technical parameters

Cost

Cost: Calculated individually, approximately from €180 per year
Period: annual, with automatic renewal

General Category Characteristics
Parameter	Value
Type of insurance	Top-tier residential multi-risk
Coverage object	Building structure and contents
Coverage format	All-risk accidental with €150 excess, subject to the policy conditions
Tier in the range	Top modality of Hogar GO!
Additional service	Annual pest control

Zurich Hogar GO! TOTAL Specifications
Parameter	Value
Civil liability	Up to €2,000,000 toward third parties
Legal defence	Up to €12,000 for lawyers and court costs, subject to the policy conditions
Rent protection	Up to 12 months’ rent, maximum €15,000, after a waiting period, when the guarantee is taken out and subject to Zurich’s conditions
Accidental risk coverage	Unforeseen accidental damage to property and finishes within all-risk accidental cover
Household options	Fridge food spoilage, pipe unblocking, annual pest control
Urgent assistance	Plumber, electrician and locksmith 24 hours within the policy limits

The top level of protection with cover for unforeseen accidental risks

Zurich Hogar GO! TOTAL is the maximum home insurance configuration, designed for those who value high predictability of housing costs. The policy gathers all the range’s basic guarantees — water, fire, theft, electrical surges, glass breakage — and adds all-risk accidental cover with a minimal €150 excess. In practice, the insurer may compensate even household damage that is hard to fit into a standard risk — a shelf that falls and breaks an appliance, a frame that comes loose and ruins the floor, a door a child accidentally smashes — if the case meets the cover conditions. The civil liability limit here reaches two million euros, designed for serious scenarios of damage to neighbours.

TOTAL’s key difference from lower tiers is protection of the landlord’s interests. When the corresponding guarantee is taken out, the policy may cover unpaid rent up to 12 months and up to €15,000 after a waiting period, subject to Zurich’s conditions, as well as tenant vandalism and the legal defence for rental contract disputes, including eviction proceedings. For the owner who lets property, this reduces the financial risk. The modality also includes annual pest control and raised limits across all standard coverages, while the emergency service with plumber and electrician is available within the limits and types of work set in the policy.

Why take out Zurich Hogar GO! through MG Seguros

We are a direct exclusive agent of Zurich.
We help you correctly calculate continente and contenido.
We explain the difference between Sencillo, Estándar and Total.
We select cover for a primary home, second residence or rental flat.
We support the client in a claim and in dealings with Zurich.

Typical tasks that this policy solves

Realty

How to Rent Out Your Apartment in Spain Without the Risk of Arrears?

With the rent-protection guarantee in place, TOTAL may compensate unpaid rent up to 12 months and up to €15,000 after a waiting period, and cover damage to furniture and finishes caused by the tenant, subject to Zurich's conditions. Legal defence funds contract disputes up to eviction proceedings. The rented flat delivers more stable income and reduces the owner's risk.

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Realty

How to avoid paying for your neighbor's repairs out of pocket?

The all-risk accidental guarantee compensates unforeseen accidental damage outside standard risks — a fallen shelf, a broken appliance, a smashed door — if the case meets the cover conditions. A €150 excess applies. The policy may cover those small household mishaps usually paid out of pocket, within the sums insured and the contract conditions.

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Property

Commercial Property Insurance against Fire, Explosion, and Smoke

You flood the flat below or cause other accidental damage to third parties: TOTAL's civil liability reaches two million euros. This limit is designed for serious cases of damage to third parties. Neighbours' claims are paid by the insurer within the limit and the family budget stays protected.

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Property

Commercial Property Insurance for Water Damage and Flooding

The policy compensates damage from fire, gas explosion or harm to property from smoke and soot within the sums insured and the contract conditions, with the TOTAL modality's raised limits. It covers both repairs to finishes and burnt appliances. The range's basic guarantee is reinforced to a higher payout level.

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Property

How to protect your cash and stock from thieves without overpaying for unnecessary options?

When pipes burst, TOTAL pays for leak detection, pipe repair and restoration of finishes under extended limits. If water reaches the neighbour below, the insurer compensates their damage too within the contract conditions. A plumbing failure is resolved with no blow to personal finances.

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Service

Emergency Service for Business: 24/7 Support Included in Your Insurance

In a burglary, the policy reimburses the value of stolen electronics, valuables and personal items, plus the damage from forcing doors and windows. In TOTAL elevated sums insured apply and coverage of storage rooms and outbuildings depends on the contract conditions and the declared items. You recover what was lost within the sums insured rather than writing off the loss.

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Agent's opinion

"I recommend TOTAL above all to two client profiles: owners of high-value housing with quality finishes and those who let flats. The all-risk cover removes much of the argument with the insurer over whether a breakdown falls under a standard guarantee, and the non-payment protection markedly reduces the risk of renting. The premium over the basic plan pays for itself with a single serious claim, and the level of protection stays consistently high."

Mikhail G., independent insurance expert