House insurance in Spain - in English
HOUSE INSURANCE IN SPAIN – IN ENGLISH.
HOUSE AND CONTENTS INSURANCE IN SPAIN.
A GUIDE TO HOUSE AND HOME INSURANCE IN SPAIN.
Our House and Home insurance in Spain offers some of the most comprehensive property insurance cover in Spain. We provide affordable house and home insurance for homeowners for both the private property sector insurer and for landlords and renters, as well as tenants in Spain, that wish to protect their holiday home, rental or Spanish investment property.
We offer House and home insurance policies in Spain in English. We have Home insurance specialists that can provide you with a home insurance quote in Spain that will cover all your belongings, Jewellery - inside and outside the home as all risks, and cover your dogs for third party liability, as well as providing an emergency 24 hour call out service, 365 days of the year.
GET A QUICK QUOTE FOR HOME OR HOUSE INSURANCE IN SPAIN.
With a vast variety of Home Insurance products to protect just about anything in and around your home, you should contact us and speak to our home insurance specialist for a house or home insurance quote.
GET A QUICK QUOTE FOR BUILDINGS OR CONTENTS INSURANCE IN SPAIN.
Buildings insurance in Spain is designed to cover the cost of rebuilding your entire property, not just the home part. This should include the rebuilding costs of your swimming pool, perimeter walls and fences, terraces and outbuildings, storage areas, gardens and any structures that you include in the terms of buildings cover.
If you live in an apartment in Spain, the buildings insurance is normally covered by the builder or the community Insurance. The community insurance policies in Spain may only cover buildings to the entrance to your front door, so things like internal burst pipes, that are not community water pipes, from another apartment in the same building, are not likely to be covered.
Insurance against fire and power surges would need to be covered under your personal buildings insurance policy. Trees and plants are covered to a maximum of €600 per plant or tree.
CONTRACTING YOUR OWN BUILDINGS INSURANCE IN SPAIN.
You can contract your own buildings insurance in Spain, for your own private property or for your apartment, even if they are rental properties. This is worth doing for apartments as many of the community insurance policies are limited in cover and may not be sufficient in all cases.
PUBLIC LIABILITY INSURANCE FOR PROPERTIES IN SPAIN.
Public liability insurance is one of the key insurance benefits you should have with any house insurance policy in Spain. The cover for Public Liability Insurance in Spain can range from €300,000 to €3,000,000.
Public Liability insurance is designed to protect you, the owner or tenant, in the event that a third party injures themselves on your property and sues you for damages or injuries sustained. Swimming pools are notoriously dangerous, particularly when renting your property to families with children.
It will also cover you in the event of damages caused to any other property or vehicle in the vicinity in the event of a fire, water damage due to a leak and even cover your pet, should it bite someone coming onto your property.
BUILDINGS INSURANCE IN SPAIN - KEY POINTS AND BENEFITS.
Buildings insurance will cover events such as damages caused by lightening strikes, power surges, smoke and fire, flooding and water leaks. Damages caused by attempted break ins and broken windows and doors, including vandalism can be covered.
The Buildings insurance will also cover you for excessive water bills if you have a water leak that has not been noticed until you receive a huge bill. They will cover excess water consumption up to €1,000 even if no damage has been done.
CONTENTS INSURANCE IN SPAIN – KEY POINTS AND BENEFITS.
contents insurance is designed to cover everything inside your property. this can include valuables and jewellery, works of art, stamp collections and anything of value. Spanish house insurance policies also consider your fitted Kitchen as contents, so remember to calculate the cost of a replacement kitchen in your contents value calculations.
It is important to value your contents correctly. Go from room to room calculating the replacement costs of everything inside the house. This includes all your white goods such as fridges and freezers, washing machines and dryers, clothing, curtains, beds and bedding, bathroom furniture and sanitary ware.
Our contents insurance in Spain will give you “new for old” cover. This means that if your Settee is damaged in a fire, they will offer you the full value (current market value) of the settee and not the depreciated value.
24/7, 365 DAYS A YEAR EMERGENCY CALL OUT SERVICE.
Our house and home insurance does include an excellent Emergency Call Out Service, even if you are not there. If you are renting the property or are the landlord or homeowner and you are abroad or can’t get back to your property in Spain for any reason, the emergency service will go to your property and make your property secure until you return.
IN THE EVENT OF A HOME BURGLARY.
The Insurance provider will arrange to do everything needed to make your property safe and secure from burglars coming back again. The Emergency call out service has staff that speak many languages including English. If you are at home, the home insurance company may authorise you to arrange the emergency repairs with a plumber, locksmith or builder of your choice, and then send an assessor to check that the work has been carried out properly. They may also arrange to have one of their own teams come and do the work.
MAKING A CLAIM ON OUR HOME INSURANCE POLICY IN SPAIN.
In the event that you need to make a claim on your home insurance policy in Spain, you do not need to fill in a claim form. Simply call the home insurance assistance and helpline number at the bottom of this page and they will arrange everything for you -in English.
If you have any difficulties contacting them, you can call us on 0034 965275727 during working hours 9 am to 5 pm Mondays to Friday and we will do all we can to assist you.
WHAT MAY NOT BE COVERED UNDER YOUR HOME INSURANCE IN SPAIN.
The standard house insurance policy in Spain does not cover everything! You will need to request or be offered such things as all-risk’s insurance or accidental damage cover in the home. All risks insurance outside the home for things like jewellery and laptops, in the event they are stolen or accidentally damaged is an added extra cost.
Any acts of god, such as flooding or natural disasters or catastrophes are covered, but only under the Consorcio de Compensacion de Seguros. In the event of damage to your property caused by any of the above and whereby the insurance company or Government of Spain declares the claim as such, we will process your claim for you.
Burst pipes will be repaired, windows replaced or boarded up, roofs fixed, electricians, builders, plumbers, locksmiths and any service that is needed to make your home safe, will be called and the repairs done.
Blocked pipes are covered and in the event of your property in Spain having a major problem, they will cover the costs of your travel to Spain and offer to provide alternative accommodation if your home is classified as uninhabitable.
EMERGENCY FREEPHONE TELEPHONE NUMBERS FOR LIBERTY SEGUROS HOME INSURANCE POLICIES IN SPAIN.
24 HOUR ASSISTANCE
When calling for Liberty Seguros Home Assistance you will need the following:
The number of your insurance policy - Your name and address -
Your contact telephone number and the service you require.