Home Insurance in Spain Cover
Regarding our house insurance policies, we offer two kinds of cover. These are broken down into ‘Buildings Cover’ and ‘Contents Cover’. Continue reading below and we will explain both policies to help you decide which one is best suited to your home.
Building Cover Overview
The builder cover should cover the rebuild cost of the entire property, pool, perimeter walls, terraces and anything else built on the plot. When it comes to apartments, many feel the community Insurance policy Will cover them, however the community Insurance normally does not cover from your front door inwards, so any burst pipes that are not community pipes, fire, power surge damages need to be covered under your personal building Insurance policy.
Liability cover for damages arising from the building is one of the most important covers to have, we can offer cover up to 1.000.000€, this will cover you if someone injures themselves on your property, if a tile falls off the roof and damages a vehicle or person, if you have a fire that causes damages to the neighbours property or community, a water leak that causes damage to a neighbour etc. Building cover will also cover you for fire and smoke damages to your property, power surges or lightning strikes (some companies only cover up to 600€ per claim, we give full cover), damage caused by flooding or water leaks, damage caused in the evento of vandalism, theft or an attempted breakin, broken Windows, mirrors, marble, granite or sanitary ware.
Contents Cover Overview
Anything inside your property is considered content, as well as the fitted kitchen. Your contents cover should be sufficient to cover to replace everything inside the house, White goods, curtains, cutlery, clothes, electrical items etc. The cover is new for old, meaning if your sofa is damaged, we will not value your sofa in its current condition (depreciated for age) but we will pay out the cost to replace your sofa as new today. Again fire, smoke, explosion, power surge/lightning, flooding, theft, mugging in the home, ceramic hobs, oven glass, glass in electrical appliances are all covered. Liability cover is included as standard, even if you just insured your contents, however, in that case, you would only have liability coverage for the damage caused by your contents, for example, a plant pot falling off a terrace on a car or person.
All policies in English, 24-hour emergency assistance for plumbers, locksmiths, carpenters and electricians
We can also include optional cover for general personal items up to 300€ per ítem, outside the home, again on an all-risk worldwide cover basis.