Home Insurance San Fulgencio

Yes. Flooding caused by natural catastrophes such as DANA storms or Río Segura overflow is covered under Consorcio de Compensación de Seguros, which activates automatically through your private home insurance policy. The private insurer covers non-catastrophe damage; Consorcio covers damage from the natural event itself. We explain this split clearly when arranging your policy so there are no surprises.

A standard home policy is designed for owner-occupied properties. If you rent your property on a long-term or holiday basis, you should declare this at inception. Generali has landlord and holiday-let options that cover different risk profiles. Call us to discuss the correct policy for your rental arrangement — it is usually a straightforward choice based on occupancy type.

The same Generali home product types apply to both. Communal areas within the urbanisation — shared driveways, gardens, street lighting infrastructure — are the community's responsibility and are covered under a separate community insurance policy. Your home policy covers the structure and contents within your own property boundary. We can arrange both at the same time if required.