Community Insurance Los Alcázares

Yes. Under the Ley de Propiedad Horizontal, all communities of owners (comunidades de propietarios) are required to hold insurance covering the shared structure. Individual owners cannot opt out — the obligation falls on the community collectively, arranged through the president or appointed administrator.

DANA-type flooding is classified as a natural catastrophe in Spain and is handled through the Consorcio de Compensación de Seguros rather than the standard community insurer. Your community policy must be valid at the time of the event for the Consorcio to accept the claim. Turner Insurance explains both processes at renewal.

Public liability cover is a core part of every community insurance policy. If a visitor, resident, or third party suffers injury in a communal area such as a stairwell, pool surround, or shared access road and the community is found liable, the community policy pays the claim — protecting individual owners from personal liability.