Zurich Hogar GO! TOTAL — The Top Tier of Home Insurance
Technical parameters
Price
Price: calculated individually — by floor area, the sums insured for building and contents, the modality, how the property is used and the address
Term: annual, renewed automatically
| What Total includes — main home | |
| Guarantee | Limit |
| Home assistance 24/7 A tradesperson on call around the clock |
yes |
| Fire, explosion, smoke and soot Spontaneous combustion included |
yes |
| Weather events, lightning, flood, impact Rain, wind, hail, snow, sonic waves |
yes |
| Vandalism Deliberate damage by outsiders |
yes |
| Total ruin Where rebuilding is not possible |
yes |
| Water damage Burst pipes and their consequences |
yes |
| Seepage and leaks Domestic, not weather-related |
yes |
| Finding and fixing a water leak Even where no damage has occurred yet |
€1,000 |
| Cosmetic repair of the building So the repair does not end up patchy |
€6,000 |
| Cosmetic repair of contents Furniture, coverings, textiles |
€3,000 |
| Glass, mirrors, worktops and sanitaryware Worktops added in 2026 |
yes |
| Solar panels and ceramic hobs As separate sub-guarantees |
yes |
| Electrical damage Short circuit, power surge, lightning |
yes |
| Extended electrical cover Removes the 7-year age limit on appliances |
optional |
| Food and medicines in the fridge After a breakdown or power cut |
€1,000 |
| Accidental all-risks Breakages and knocks outside the listed causes |
yes, €150 excess |
| Illegal occupation Lawyer, court, eviction and temporary accommodation |
yes, 3-month waiting period |
| Burglary of building and contents Both the property and its contents |
yes |
| Jewellery and collections Declared items, with their own limit |
optional · €40,000 |
| Damage caused during a break-in Door, lock, window, wall |
€6,000 |
| Mugging away from home Worldwide, except areas of armed conflict |
€1,000 |
| Fraudulent card use Following a theft or mugging |
€1,000 |
| Liability as owner of the property Flooding a neighbour, a falling roof tile |
€2,000,000 |
| Family civil liability Worldwide except the USA, Canada, Mexico and Puerto Rico |
€2,000,000 |
| Liability for dogs requiring special handling A separate option |
optional · €300,000 |
| Pollution liability Fuel spill, leak from a tank |
optional · €300,000 |
| Handyman and IT assistance Plumbing, small repairs, setting up devices |
optional |
| Pest control A specialist call-out |
optional |
| Replacing documents After fire, flood or theft |
€1,200 |
| Legal defence Disputes with neighbours, tradespeople and suppliers |
€12,000 |
| Vehicle in the garage Fire and theft where it is parked |
optional · €60,000 |
| How the three forms of property differ (Total modality) | |||
| Guarantee | Main home | Second home | Let to tenants |
| Available modalities | Sencillo, Estándar, Total | Sencillo, Estándar, Total | Estándar and Total only |
| Cosmetic repair of contents | €3,000 | €1,500 | €3,000 |
| Terrace and garden furniture | €3,000 | €3,000 | — |
| Cash at home and in a safe | €3,000 | — | — |
| Jewellery and collections | optional · €40,000 | optional · €3,000 | — |
| Theft from storeroom and outbuildings | 20% of contents or a free amount | 20% of contents or a free amount | 10% of contents |
| Family civil liability | €2,000,000 | €2,000,000 | — |
| Vehicle in the garage | optional · €60,000 | optional · €60,000 | — |
| Illegal occupation | yes, 3-month waiting period | yes, 3-month waiting period | — |
| Tenant vandalism | — | — | optional, €3,000 |
| Belongings while travelling (Pack Ampliado) | yes | — | — |
| Tracing and forwarding luggage (Pack Ampliado) | yes | yes | — |
| Replacing documents | €1,200 | €1,200 | — |
| The illegal-occupation guarantee — two options | ||
| What is covered | Pack Esencial | Pack Ampliado |
| Legal guidance | yes | yes |
| Court proceedings to recover the property | €10,000 | €10,000 |
| Claim for damage to the building | €5,000 | €5,000 |
| Temporary accommodation | €800 a month, max 6 months | €800 a month, max 6 months |
| Unpaid utilities during the occupation | €100 a month, max 6 months | €100 a month, max 6 months |
| Deliberate damage to the building | — | €6,000, €300 excess |
| Deliberate damage to the contents | — | €1,200, €300 excess |
Both options carry a three-month waiting period from the moment they are taken out. The guarantee can be added as an option on a new policy and also by endorsement to a Hogar GO! policy already in force, with no need to rewrite the contract.
The list of guarantees and the limits are taken from the Zurich Hogar GO! modality sheet and the general conditions of March 2026. The figures are maximum sums per guarantee; your own limits and excesses are set out in the particular conditions of your policy, which we go through before signing.
The top tier
Total is the highest of the three Zurich Hogar GO! modalities. It differs from Estándar
not in the number of guarantees but in their size, and in two covers that simply do not exist
below it.
Total only: accidental all-risks — breakages and knocks with no need to fit a
list of causes, with a €150 excess — and the Ampliado package, included here whereas
in Estándar it has to be bought separately.
Twice as much, or clearly more, in Total: civil liability for the building, the contents
and the family reaches €2,000,000 against Estándar’s million; legal defence
€12,000 against €6,000; cosmetic repair of the building €6,000 against €3,000
and of the contents €3,000 against €1,500; break-in damage €6,000 against
€3,000; mugging away from home €1,000 against €500; cash at home €300 against
€150. Theft from a storeroom is calculated as 20% of contents or as a free amount.
Three forms of property
Total can be taken out for a main home, a second home or a property let to tenants, and the
three sets are not the same. A second home has tighter limits on cosmetic repair of contents and
on jewellery (€3,000 rather than €40,000) and no cash at home. A let property has no
family liability, no vehicle in the garage and no illegal-occupation guarantee — but it does have
tenant vandalism, which the other two do not.
Illegal occupation
With a three-month waiting period. The essential package covers legal guidance, the
proceedings to recover the property (notary, lawyer and procurador, experts, costs, court fees,
mediator, locksmith at the eviction and enforcement), a claim for damage to the building,
temporary accommodation if the occupied property is your main home, and utilities consumed beyond
normal use. The extended package adds deliberate damage to building and contents.
The caveat to know in advance. Illegal occupation does not include a tenant with
a contract, even one who has stopped paying, nor any entry consented to by the owner. The property
must be capable of being secured: sound doors, windows and walls. Graffiti, damage predating the
occupation, damage from your own neglect and damage not reported to the police are excluded.
What is new in 2026
- Electrical damage at 100% on two levels. The seven-year age limit on appliances
disappears with the extended level, and also when you use Zurich’s own repair service. - Glass, mirrors and worktops on two levels, with kitchen worktops, solar panels and
ceramic hobs included.
Where the policy applies
To the property named in the policy. Wider: mugging away from home, worldwide except countries
in armed conflict; family liability and liability for dogs requiring special handling, worldwide
except the USA, Canada, Mexico and Puerto Rico; belongings while travelling, worldwide.
If the insured habitually resides outside Spain, cover is limited to claims brought under
Spanish law and arising from damage that occurred in Spain. For second-home owners this is the
decisive clause.
What it does not cover
Inherent defect in the item and manifest lack of maintenance, armed conflict, nuclear energy,
the mere passage of time and wear, and bad faith on the part of the insured. Bulbs and light
fittings fall outside the electrical guarantee, as do failures caused internally by the appliance
or by mishandling.
Typical tasks that this policy solves
Agent's opinion Total is worth taking not for the length of the list but for three things: two million in civil liability, accidental all-risks with a €150 excess, and the Ampliado package already inside. All-risks is the only line that covers what fits no list of causes: dropped, knocked, broken. In Estándar it cannot be bought at any price.
What Total does not do is turn a let flat into a main home. If you let, you will have no family liability and no illegal-occupation guarantee, and that depends on the form of the property, not on the modality. In exchange you get tenant vandalism — and for that one you have to prepare in advance: without documentation of the flat’s condition when the policy started, there is nothing to prove the damage against.