Home Insurance in Spain
We have been established in the Home Insurance Market for over 28 years and provide a personal and friendly service. We can give a bespoke service and visit your property to assess values and give recommendations on what cover you should have specified.
Covering the Build
Covering the Contents
Covering the contents in Spain is slightly different to other countries in Europe. The main difference is that the Kitchen and Bathroom fixtures are considered contents and not build. With the cost of an expensive kitchen this will have a large affect on the value of contents. Again we will be able to guide you through the conditions. Garden furniture will be covered under a policy for a fixed amount. If you have a high value of garden furniture then you can increase the value within a clause in the policy.
Public Liability
The third principal cover of home insurance is liability cover. This is the least understood cover. Understanding your liability and making sure you are protected in the event of damage that your property may cause to other properties or individuals will give you peace of mind.
A simple example whereby properties are under protected in relation to liability cover is where a contents policy is issued for an apartment, excluding cover for build. By not covering the building or a percentage of it, any damage from your property to another (by example water leaking) will be excluded under the contents only policy. Your community insurance will not cover this either. The only way to have cover in these circumstances is by having a level of buildings.
Rentals
Simply stating that your property is rented will cover you if your tenant causes a claim. Your home policy may cover the tenants belongings and will have a limited amount of cover in this regard. It is highly recommended that people who rent your property think of taking out their own contents policy and importantly state that they are renting the property they live in.
Legal defence is a cover you can take out against your tenants not paying their rent. The cover costs the legal costs of taking the tenant to court. This type of cover is only available to tenants which have sign a “Long Term” rental contract.
Key Cover
Buildings
Contents
Garden furniture & plants
Liability for rentals and public as well as dangerous dog cover
Smoke, Vandalism and Flooding are 100% covered
Accidental injury
Retaining walls and solar panels
Personal possessions worldwide
Valuable objects cover
Mugging outside the home
Cash in safe
Excess water consumption cover and total reconstruction of garden cover
Breakage of glass, mirrors, granite tops, ceramic hobs
Advantages
Home assistance, 24 hours a day, 365 days a year, with just a simple telephone call
Your goods will be insured on a “value as new” basis.
Extension to the limit of Public Liability: increased up to €1,000,000.
Discounts for security measures. Such as a connected Alarm
Valuations of antiques and jewellery in your home at no cost
Risk inspection can be carried out by a Surveyor appointed by the Insurer