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

With home insurance, in many instances the building may be over or under insured. In the event of a claim, being under insured can negatively affect the compensation you will receive. Although over insuring the building will not affect a claim, it will most likely mean you are paying more for your annual premium. The correct way is to have the build value based on the reconstruction value and we, as experienced brokers, will be able to advise on this. Other items which come under build are locks and air conditioning units. Anything which is fixed to the structure will be considered part of building.

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

Margaret Hegarty Marbella and Dublin
People from every corner of the globe who come to settle in the Costa del Sol will need Insurance protection.

They should visit the Bsure team at their office where they will be offered Insurance knowledge and advise in an open, welcoming and professional manner. I would recommend Bsure Brokers without reservation. I have been with them for the past 20 years without a problem.
Olaf Broers
Ever since the turn of the Millennium we have done all our Insurances through Bloomfield's. This has formed a solid rock of security in our lives on the Costa del Sol.
Margaret & Chris W., Calahonda
My wife and I have been with Bsure Insurance Brokers since their inception over 25 years ago. We utilise a range of services including Home, Car, Medical and Travel and have always received rapid assistance and first class service whenever needed. David Bloomfield is a very helpful, and entirely professional, a qualified broker who has always managed to provide us with quality cover upon request, and is highly recommended.
Eric Priestley
Bsure have taken care of all my insurances for the past 12 years. During this time I have found them truly professional, independent and responsive. I have always felt they have been acting in my best interests when it came to advice and help.
Joanna Wilkie
Bsure Insurance has been looking after all my family’s insurance needs for nearly 30 years now and we can thoroughly recommend them. Not only do Phillip and son David provide excellent service but also great advice based on their years of local knowledge and experience. Bsure offer very competitive insurance products and I consider our Medifiatc Private Health policy one of the best available in Spain. We even have the dog insured through them!
Graeme Potter
We have used Bsure for all our insurance policies - car, household and Private Medical for many years. They have proved to be competitively priced and always respond promptly when we have needed help.
Cindy Barnes
Bsure Insurance Brokers have taken care of our insurance needs for several years now.
We have had excellent service and you will be in good hands with this family run business.
Lynette Awcock (President Milenio)
Philip and David Bloomfield and the rest of the staff run this Family business. Bsure Insurance Brokers have been a delight to deal with in the 10 years I have been a client. They have secured on a personal level good rates for my health, car, and home contents Insurance.
Bsure have gone over and above the call of duty when the need has arisen to submit claims, and have dealt with my personal issues in an extremely efficient, polite and prompt manner.
As a result of Bsures dedication to its clients I entrusted them to negotiate and secure the Community of Milenio, Riviera Del Sol, its buildings Insurance the past 6 years. I would whole heartily recommend BSURE as your entrusted, faithful Insurance Broker.
Adam & Angela
We were recommended Bsure by friends when we moved to Spain in 2004, and have used them for private health, car and home insurance, and also travel insurance ever
Since. Competitive prices and good service, would recommend them,& have done so to everybody.
Jeremy J. Byrne, Marbella, and Dublin
I have been a customer of Bsure insurance company for the last fifteen years. I have trusted them with all my insurance such as travel, motor, house, public liability and in all those years they never let me down. They are efficient helpful well organised company who are always at your disposal. I cannot but highly recommend Bsure to anyone requiring there services.
Roy and Karin Cooke
My wife and I have been living on the Costa del Sol since 2006. We love our adopted country and are very grateful for all it offers for a healthy and a happy retirement. Settling-in takes time. One factor underpinning the feeling of security is insurance covering health, home and car. After a number of expensive and unsettling experiences we came across Bsure Insurance Brokers - a business run by the Bloomfield family.

All our policies now come under their umbrella underwritten by reputable international Insurance companies. Friendly and efficient, Bsure have provided the insurance covers we sought with the best cost-benefits and, most important, excellent customer service.

Thank you Bsure Insurance Brokers
Sally and Ben Nemenyi
Ben and I would like to thank you for all your kind assistance over the 12 years with all our insurance policies, home, travel, medical, and vehicle, of which there were 10 at last count! We are happy we have entrusted our business to you and for the prompt, friendly and efficient way our matters have been dealt with. Nothing is ever too much trouble for you. Wishing you continued success with your business and we look forward to working with you for many years to come.
Saad & Jenny Kaka
BSure have been our Insurance Brokers for the last 10 years - having been recommended
by a person who had been using their services for 18 years. The comfort of knowing that when you become a client of this personally run family business - any questions or problem big or small is always addressed in a friendly - efficient professional manner. Living abroad and needing to know your insurance affairs are in good hands is very reassuring. We highly recommend them to anyone who needs to have peace of mind for any insurance requirements.
Deborah
It’s rare for any company to address all of my requirements, but that’s exactly what Bsure Insurance consistently do. Their service is always friendly, professional and efficient, David and Philip are very knowledgeable about the products on offer. What’s more, their quotes are competitive, which is why I have my car and home contents insured with them. David and his team have never let me down – I doubt you’ll be disappointed if you try them too!
Fermin. Marbella, Malaga.
My experience with Bloomfield Insurance has been very positive. When I first contacted them for a medical policy, they answered with a customised service and very competitive price. Now I have over seven policies with them. I appreciate the strong client relationship they offer, and their continuous involvement in satisfying the client.
Ken
I met Phil Bloomfield some 10 years ago when I moved to Spain. He first organised my car insurance, brilliant service. When I asked about Medical Insurance cover he recommended Medifiatc.I was on cover the very next day. Within a month I saw a specialist about my back and I had an op and Medfiatc covered the cost of everything. More recently, I saw a specialist cardiologist who put me into hospital the very next day for an op to fit a Pacemaker. Compliments of Medifiatc. Everything that Phil said was true but more so, I would say they are Brilliant.