Community Insurance Santa Pola

Yes. The Ley de Propiedad Horizontal requires all communities with shared elements — including the typical Santa Pola arrangements of shared pools, garages and communal gardens — to have buildings insurance for the shared structure. Mortgage lenders also require community policies as a loan condition. Turner Insurance ensures your policy meets both legal and lender requirements.

Yes. The pool plant room, equipment, surrounding paved area and access structures are covered under the buildings element of a Generali community policy. Public liability for incidents in the communal pool area is also included. Note that individual owners with private pools within their own plot need separate cover under their individual home insurance policy.

Usually yes. Extraordinary flooding — like the September 2019 DANA that dropped up to 232 l/m² on Santa Pola, the worst in the comarca — is paid by the Consorcio de Compensación de Seguros rather than the insurer, so it does not count against the community the way ordinary claims do. Generali assesses each community on its details; declaring the claims history accurately is what matters. We handle that declaration for you and make sure the cover is placed correctly.