Community Insurance Pilar de la Horadada

Community Insurance in Pilar de la Horadada — Generali Comunidad

Pilar de la Horadada has three distinct types of comunidad de propietarios, each with its own insurance considerations. In Torre de la Horadada, the beachside and marina area, most communities are multi-storey apartment blocks. They share pools, lifts, communal terraces and concierge areas. A block of that size needs cover to match: lift mechanism insurance, communal terrace liability and pool equipment. Under Spain's Ley de Propiedad Horizontal, every comunidad must in practice hold a seguro de comunidad for the common elements. We arrange Generali Comunidad for all of these developments, entirely in English.

In Pinar de Campoverde, inland and surrounded by Mediterranean pine forest, the character is entirely different. Here, small urbanizaciones of 6–20 detached or semi-detached villas share private roads, garden boundary walls, communal entrance gates and sometimes a small pool. These communities are simpler than coastal apartment blocks. But the forest setting brings its own risk, above all wildfire, and the policy has to be built around it. The private roads and boundary walls inside the urbanisation are communal elements. They must be declared and insured.

At Lo Romero Golf, the development on the western edge of the municipality, communities are mostly golf-front villa developments on larger plots. They share approach roads, landscaped gardens and, in some cases, facilities linked to the golf club. Where the community ends and the golf course begins has to be clear before we place the policy. Facilities the comunidad de propietarios does not own may need separate cover. In all three areas the Ley de Propiedad Horizontal requires the comunidad to insure common elements. Owners still insure their own interiors themselves.

Community Insurance Pilar de la Horadada — Local Considerations

Pine forest fire risk — Pinar de Campoverde: Mediterranean pine (pino carrasco) forest surrounds Pinar de Campoverde on several sides. That is a real wildfire risk, above all in summer, when the forest is dry and fire moves fast through the canopy. Policies here must cover fire on the common areas: communal garden walls, boundary fencing, gate structures and communal buildings. Rebuild costs should also allow for the fact that heavy fire engines struggle on narrow interior roads. One point matters more than any other. The Consorcio de Compensación de Seguros pays for extraordinary events such as flood, earthquake and fire caused by civil disturbance. It does NOT pay for an ordinary forest fire. That cover has to be written into the private Generali policy. We make sure Pinar de Campoverde community policies are set up for this risk.

Scope of community insurance — common elements only: community insurance covers only the common elements of the development. That means the structural shell, roof, communal areas, lifts, pools, communal garden walls, communal pipes and wiring, and communal civil liability. It stops at the front door of each apartment or villa. Every owner in Torre de la Horadada, Pinar de Campoverde and Lo Romero Golf still needs their own seguro de hogar (home insurance). That policy covers the interior, the contents and personal liability. We arrange both types. If your community has no policy, or individual owners have no home cover, we can sort out both at once.