Home insurance for your main residence

Your home, you decide

What does our insurance policy offer you?

With Hogar Plus main residence your home will be protected by the most comprehensive, flexible, and innovative coverage, as well as offering protection for your belongings and many situations your family could find themselves involved in.

Benefits of this insurance

The protection your house deserves

Our solutions give you the option to adapt your level of protection to the needs of your home and family.

With your home in mind

Comprehensive protection against different situations and risks that could damage your property, with flexible coverage adapted to your needs.

When it comes to your family

You'll have the solution to any unforeseen events that could affect them, whether it involves responding to third parties or protecting their interests, thanks to civil liability coverage.

And for many other reasons

You'll have innovative services and quality guarantees, making life more straightforward.


Main coverage

There are many situations which could lead to your house and belongings being affected by fire, either from everyday accidents or other incidents. Plus Ultra Seguros covers you for any damage caused directly by fire, any explosions of equipment or devices (from regular use), as well as any damage caused by lightning.


Because many things could happen that you may not foresee, but you can be protected against: home insurance protects you against many of these unforeseen events. Broken windows or pipes, thefts in the home or out, or fires caused by minor accidents are just some examples.

In addition, it is the most reliable, practical, affordable, and simple way of quickly resolving any household incident.

The buildings are all the integrated components of your home that it would be impossible to convert, move, or put in another place without causing damage.

This includes the physical structure of the house, walls, ceilings/roofs and floors, as well as garages, parking spaces, storage rooms, installed utilities, toilets, solar panels, or leisure facilities such as swimming pools or sports grounds.

The contents refer all goods found within the property to make it habitable, such as furniture, electrical appliances and other goods that are not part of the built components.

One the one hand, you need to insure the buildings: the cost of rebuilding your house, including any garages or storage, and excluding the value of the land, as this could not be lost. To calculate that cost, you need to refer to the number of built square metres.

In terms of the value of contents, we recommend you make an inventory of all your goods and belongings, and consider that any jewellery and high-value objects may need to be insured individually.

Thanks to this coverage, your home insurance protects both you and your family against any damages caused to a third party, whether at home or out.

To give an example, if your pipes break in your house and it affects your neighbour, you would be facing a civil liability case. The same would apply if a plant pot fell and damaged a parked vehicle in the street.

The aim of this guarantee is to ensure any damage caused by an accident and the subsequent repair does not alter the aesthetics of your property in any way.

For example, you have some repairs carried out on your pipes and some tiles end up broken - and you can't find a match for the originals. If you have this coverage we take care of maintaining the aesthetic of the area affected, and would replace all of the tiles for new ones with similar characteristics.

Why choose Plus Ultra Seguros?

The best professionals

Automatic reappraisal

Repair service

We adapt to you

To make setting up your insurance more simple, Hogar Plus gives you three options to choose from to give you the best fit for your situation, and a fully customisable policy.


Straightforward insurance with all the essential coverage you need if you're looking for an affordable policy that protects you against the main household mishaps, without sacrificing a high quality service.

Comparison chart Main residence

Comparison chart Main residence
Fire, explosion, smoke and lightningIncluded Included Included
Weather damageIncluded Included Included
Different types of damage: vandalism, flooding, and collisions with vehicles or animalsIncluded Included Included
Water damageIncluded Included Included
Damage from electrical sourcesNot Included Included Included
Expenses arising from the incident: cosmetic damage, demolition and removal of debris, uninhabitability, or document reconstructionIncluded Included Included
Garden damageNot Included OptionalOptional
Food in the refrigeratorNot Included Included Included
BreakagesIncluded Included Included
Theft and robberyIncluded Included Included
TheftNot Included Included Included
Risks outside of the homeNot Included Included Included
Civil liabilityIncluded Included Included
Legal protectionNot Included Included Included
Vehicles in a garageNot Included OptionalOptional
Accidental damageNot Included Not Included Included
Assistance in the homeIncluded Included Included