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Spanish Home and Contents Insurance in Spain

Home and contents insurance for your property in Spain will ensure that your home, rental property or business premises are covered 24 hours a day, regardless of whether you live in Spain permanently or own a holiday home in Spain.

It is essential that you arrange suitable home insurance cover in Spain as Home Insurance is a legal requirement if you have a mortgage in Spain.

The Insurance Centre can offer you an extensive home insurance policy in Spain, specifically designed according to your needs and budgets

Summary of Home and Contents Insurance Cover:

Damage caused by:

  • Fire, Explosion, Lightning
  • Flooding
  • Natural Events
  • Water damage from interal and external pipework
  • Vandalism
  • Smoke
  • Electrical
  • Collision, crashes, falling aircrafts and sonic boom
  • Breakage of glass, mirrors, marble, granite, vitro-ceramic surfaces
  • Theft with violence, mugging or intimidation if taken place inside the home/li>

All risk accidental damage to the building

Material damage caused to the insured property regarding the structure specifically covering Atmospheric, meteorological, seismic and geological phenomena that are not construed as extraordinary risks. Any landslides or settlement movements, subsidence or the sliding or softening of the land that is not construed as an extraordinary risk according to current legislation. (Cover to be requested)

Contents Insurance Cover includes

  • Valuables
  • Cash
  • Credit Cards
  • Key and Lock Replacement
  • Accidental Damage
  • Refrigerated Items
  • Garden Furniture
  • Garaged Vehicles

All risk accidental damage to the contents

Any sudden, unexpected or spontaneous event caused by circumstances beyond the insured's control that causes material damage to the insured contents. (Cover to be requested)

Many of our guarantees are not available with any other insurance provider including:

  • 100% cover for vitroceramics
  • 100% cover for solar panels
  • Excess consumption of water due to breakage of a pipe or a claim relating to this occurrence
  • Reconstruction of gardens (including wind damage)
  • Electrical damage
  • Legal assistance for landlords
  • Accidental spillage of liquids other than water
  • Liability for dangerous dogs

For flexible, low cost insurance, call The Insurance Centre on +34 952 45 10 24

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What to consider when taking out property insurance in Spain

Security arrangements

When you insure your property it is very important to declare to your insurance agent the protection you have on your property if at all. In other words state clearly whether or not there are iron grills on all accessible windows, if the entrance doors to the property are steel reinforced, PVC or wooden. Declare whether or not you have a burglar alarm and if this is connected up to a alarm centre or not also if a safe has been installed.

Occupancy

It has to be stated on the policy the amount of time that the house is unoccupied for, if it is longer than 30 days consecutively.

Property rentals

If the property is owned by you and rented out this should be stated on the policy. What you must remember is that the insurance policy you have subscribed to is insuring you and your personal effects not that of a third person so therefore if it is a short term rent we recommend your tenants have a travel insurance to take care of their personal effects or if it is a long term rental then tenants should take out a contents only policy on their personal effects. If a theft should occurs the third party's contents would be insured but with a restricted amount on the payment.

Vandalism and fire damage would be covered by the policy but if you tenants should steal from the rented property it would not be covered as theft is covered when it is a forced entry into the property and tenants would have had access to the property.

A special legal defence policy is available for people who rent out their properties and also for tenants. See main page for more details.

Year of construction of the property

The year of construction of the property has to be declared along with the year that the property has been reformed i.e. new electrical installations and water pipers renewed.

Square meterage of the built up area of the property

The correct sum insured is calculated according to the built up area of the property including adjoining buildings, garages, swimming pools, retaining walls etc when constituting an integral part of the home.

Retaining walls

All retaining walls should be declared to the insurer by merely stating their value only.

Type of property to be insured

This is usually broken down into the following:- apartment, penthouse, townhouse, terraced/semi-detached house, independent house. If it is in an isolated area this has to be stated. Isolated is usually referred to as not having any other neighbours or houses within 1 km of your property.

The insured persons

If there are two people living together who are not spouses both names should be added to the policy.

Beneficiaries on the policy

If the name of a bank has to be stipulated on the policy due to a mortgage etc. this can be done. Most mortgage providers will not let you have a mortgage without building insurance being in place. You are not legally required to take the insurance out through the bank and it is definitely more beneficial to ask your insurance broker.

Home and Contents Insurance Policy summary details

Fire, explosion and lightning

This would cover damage caused to the insured property due to the direct material damage caused by fire, explosion and even when no fire ensues including internal boilers, water heaters, fixes installations and piping and also the direct action of lightning.

Water damage

This would cover the cost of burst pipes, leaks, escapes and overflows stemming from insured devices and installations. Also covered would be the Location and repair of damages including damages caused by water from other homes. Plumbers charges to locate and repair the damages are covered.

Risks derived from natural events

Material damages caused by the action of rain, storms, frosts, tornados, hail, snow, wind and hurricanes are covered. They will either be covered by your insurance policy or the Consortium. If covered by the consortium the insurance centre will register and present the claim on your behalf.

Flooding

This would cover damages occurred by the flooding of lakes, reservoirs, rivers, streams, canals, irrigation ditches, swamps and man-made surface channels. The flooding due to drains and other similar piping will also be covered..

Vandalism

Any damage sustained to the insured property as a result of vandalism or ill intent.

Smoke damage

Smoke damage is covered when the cause of the claim is either from the insured property or in the near vicinity.

Collision, crashes, falling aircrafts & sonic boom

Any damage occurred to the insured property due to cars, animals, falling aircrafts, satellites, trees, flagpoles, radio and television antennas

Breakage of glass, mirrors, marble, granite, vitro-ceramic surfaces

Glass and mirrors are automatically covered in your policy and we can offer cover to breakages of the above by including all risk accidental damage to you policy.

Theft with violence, mugging or intimidation

The above covers are all guaranteed when inside the home.

Valuable objects

Any one item is covered up to the amount of 2.000 €, thereafter items have to be itemised on the policy. If one item of jewellery is over the sum of 6.000 € this has to be kept in a safe.

Cash

Cash is guaranteed on a first loss basis but there is a restricted amount according to the policy conditions.

Mysterious disappearance of valuable objects

The removal of the insured's property against his will inside the insured property without force, violence or intimidation.

Mugging

Any loss sustained due to a mugging, theft or intimidation done by a third party in public places. Replacement of official documents is covered. Limitation applies.

Credit card cover

Fraudulent use of a credit card is covered within the first 48 hours of the card having been reported stolen.

Key and lock replacement

The replacement of keys and locks is covered due to a theft, mugging or mysterious disappearance.

Miscellaneous expenses

All justified expenses incurred due to an accident such as fire brigade expenses, salvage of personal property, replacement of important documents, and temporary accommodation due to the insured home being uninhabitable.

Electrical damage

The repair or replacement of electrical items is covered due to surges or inductions caused by lightning, abnormal currents, short circuits and combustion.

Aesthetic damage

This is covered when a claim arises and it is not possible to repair the affected area with the same materials or aesthetically similar.

Garden reconstruction

Reconstruction of the garden is guaranteed against fire, explosion, lightning, vandalism, smoke and debris removal.

Refrigerated items

Foods kept in the fridge or freezer that are not able to be used due to a malfunction of the fridge, accidental leak of coolant liquid or gases or failures in the electrical supply lasting over 6 consecutive hours will be covered upon confirmation from the electricity supplier.

Garden furniture

The furniture is covered in the garden, terrace or balcony in the event of an accident.

Garaged vehicles

Material damage or disappearance of a vehicle as a result of fire, explosion, lightning, theft with violence and intimidation is covered when the vehicle has been declared on the policy. (Cover to be requested)

All risk accidental damage to the building

Material damage caused to the insured property regarding the structure specifically covering Atmospheric, meteorological, seismic and geological phenomena that are not construed as extraordinary risks. Any landslides or settlement movements, subsidence or the sliding or softening of the land that is not construed as an extraordinary risk according to current legislation. (Cover to be requested)

All risk accidental damage to the contents

Any sudden, unexpected or spontaneous event caused by circumstances beyond the insured's control that causes material damage to the insured contents. (Cover to be requested)

Liability

In the event of the insured causing any harm as regards to bodily damage, material damage or direct damage involuntarily. This is applicable to Pets, such as dogs, cats and birds that are for domestic company.Dangerous Dogs can also be covered according to the dangerous dogs list and the legal requirements. Third party liability for Fishing can be included according to the Legal requirements. Third party liability for Hunters using Weapons to hunt can be included according to the Legal requirements.

Home assistance

In the case of an accident covered by the policy the following can be arranged according to the policy conditions-

Hotel expenses, expenses for surveillance of the home, moving furniture and storage expenses, legal advice in the case of theft with violence, temporary replacement of TVs and DVDs, early return due to a serious accident, transmission of messages, restaurants, laundry service, sending of a doctor in the event of an accident, medical transport in the event of an accident, sending of qualified medical personnel, delivery of medicines, early return in case of hospitalisation or death of a family member, emergency locksmith.

Professional services guaranteed

The professionals listed below can be arranged for the insured within 24 hours:-

Plumbers Plasterers Electricians Carpet layers
Glaziers Parquet layers Carpenters Metal carpenters
Locksmiths Upholsterers Electrical appliances Varnishes
TV's & VCRs Window cleaners Antenna installers Contractors
Interphones General cleaning Builders Small transports
Painting Security guards Blinds  

Family legal defence/claim for damages

This would cover any unforeseen event or occurrence that harms the interest of the insured or changes his/her legal situation.

Emergency home assistance 24 hrs

Work is guaranteed of the repairers, labour costs, materials used and the transportation of the operators when the 24 hrs telephone assistance is requested.

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We can cover anything!

The Insurance Centre has over 18 years experience within the Spanish Insurance Market and has built up a strong reputation within the Spanish insurance industry

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