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Home » Policies » Zurich Hogar GO! — Home Insurance Against Household Risks

Zurich Hogar GO! — Home Insurance Against Household Risks

Technical parameters

Cost

Cost: Calculated individually, basic options from approximately €80 per year
Period: annual, with automatic renewal

General Category Characteristics
Parameter	Value
Type of insurance	Multi-risk for residential property
Coverage object	Building structure and contents
Property types	Primary home, second residence, rental flat
Coverage levels	Sencillo, Estándar, Total
Home assistance	24-hour emergencies: locksmith, electrician, emergency services subject to conditions

Zurich Hogar GO! Specifications
Parameter	Value
Civil liability	Up to €2,000,000 in the Total tier
Legal defence	Up to €12,000 in the Total tier subject to the policy conditions
Basic risks	Water, fire, explosion, smoke, theft, electrical surges, glass breakage
Extended options	Fridge food spoilage, pipe unblocking, pest control
Digital services	Policy management and claims through the app
Urgent assistance	Locksmith and electrician available 24 hours within the tier limits

Comprehensive home protection against the main household risks

Zurich Hogar GO! brings together the main household risks under one policy and removes the need to buy separate insurance products. The solution comes in three formats — Sencillo, Estándar and Total — so it suits both the tenant who needs to protect their belongings and civil liability and the owner of a large house needing the maximum liability limit. Coverage extends to the building structure (walls, systems and finishes — continente) and to the contents: furniture, appliances, personal effects. As a result, after a burst pipe or a short circuit the policyholder restores both the repair work and the damaged property within a single contract.

The policy’s main strength is built-in round-the-clock technical assistance. A slammed door, a leaking riser, a power cut — a locksmith or electrician call-out is available 24 hours within the limits of the chosen tier. The Total tier additionally provides all-risk accidental cover, an annual pest treatment and raises the civil liability limit to two million euros. This proves decisive when you accidentally damage a neighbour’s property: the insurer takes on the cost within the limit and the family budget stays protected. The policy also protects against third-party claims and compensates weather damage from heavy rain, hail or strong wind.

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

Property

Commercial Property Insurance against Fire, Explosion, and Smoke

The policy compensates damage from fire, gas explosion or harm to property from smoke and soot within the sums insured and the contract conditions. It covers both repairs to walls and finishes and burnt appliances and furniture. This is the basic guarantee present in all Zurich Hogar GO! levels.

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Property

Commercial Property Insurance for Water Damage and Flooding

When pipes burst, the policy pays for leak detection, pipe repair and restoration of affected finishes. If water reaches the neighbour below, the insurer compensates their damage too within the contract conditions. A warped parquet floor or ruined ceiling stops being your personal financial problem.

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Property

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

If your flat is burgled, the policy reimburses the value of stolen electronics, valuables and personal items, plus the damage from forcing the door or windows. 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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Realty

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

You flood the flat below or a plant pot falls onto someone else's car — Zurich Hogar GO! civil liability covers third-party claims. The limit in the Total tier reaches two million euros. Neighbours' claims are paid by the insurer within the limit, not from your pocket.

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Service

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

You lose your keys, the door slams shut, the power suddenly goes — the emergency service arranges a locksmith or electrician call-out within the limits of the chosen tier. The assistance is part of every policy tier. Any household mishap is solved with a single call at any hour.

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Realty

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

In certain variants for rented housing, landlord protection against unpaid rent and tenant damage may be available, subject to Zurich's conditions (tenant screening, waiting period, limits). This reduces the financial risk of the owner who rents out. Check the availability of the guarantee for your situation.

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Agent's opinion

"Hogar GO! stands out for its flexibility: the same product works equally well for a rented studio and for a family house. I almost always advise clients to look not at the price of the cheapest plan but at the civil liability limit, because flooding the neighbours is what produces the largest unexpected expenses. In the Total tier that limit covers practically any household situation."

Mikhail G., independent insurance expert