Community Insurance Albox

A detached cortijo or finca with no shared ownership does not require community insurance — it only needs a standard home insurance policy. Community insurance is required only where there is a formal community of owners sharing common elements such as access roads, entrance gates, or a communal pool. Turner Insurance can confirm which policy type applies to your property.

Flash flooding from gota fría storms is classified as a natural catastrophe in Spain and is handled through the Consorcio de Compensación de Seguros. Your community policy must be valid at the time of the event for the Consorcio to apply. Turner Insurance explains the Consorcio process and how it differs from a standard insurance claim.

Yes. Shared access roads, entrance gates, and perimeter walls that form part of the communal property can be included in the community insurance. These elements must be declared and valued correctly at inception. Turner Insurance ensures all communal elements are identified and properly covered when arranging your policy.