House Insurance in Spain

If you have a broken pipe and do not realise you have a problem then you will more than likely receive a high water bill from the water company or the town hall. You would be able to claim for the excess water consumption.

Many people are changing over to solar panels whether or not it is for hot water or for generating electricity but whichever panels they are still a large investment and you need to make sure that you are correctly covered should they be stolen, or damaged through storms and tempest. Our home insurance fully covers solar panels.

Garden furniture is so expensive nowadays and our policy covers all furniture located in the garden, terraces or balconies of the insured home.

If a natural disaster occurs then it is down to the Spanish Consortium to pay out for any claims such as flooding, fires, storms, earthquakes etc. To be able to claim from the consortium you have to have an insurance policy in place and if you look at your insurance receipt you will see that part of the yearly premium that you pay goes to the consortium body, so even more reason why you have to have a good house insurance in place. We deal with all consortium claims on your behalf.

This heading points out some facts and covers about house insurance that people do not realise they are covered for such as:
● If you own a pleasure craft or a sailboat and it does not have an engine the third party liability is covered under your house insurance.
● Electrical bicycles and amateur bike riders are all covered for third party liability.
● Electrical wheelchairs are covered for third party liability
● To obtain a fishing licence you have to have in place a third party liability to acquire it and this is all covered under a house insurance policy.
● If you home subject to a serious claim and is rendered uninhabitable, you are covered for the expense of plane or train tickets if you are overseas
● If you go away and leave your medication behind that has been prescribed by a doctor then you can use your policy for covering the costs of arranging the medication to be forwarded to you.
● If you are taken ill at home you are covered for ambulances
● If your TV is stolen or has been involved in a fire or a flood then a temporary replacement TV with similar characteristics will be given to you for free of charge while the claim is being sorted out.
● If you buy some flat pack furniture then you can arrange for having this all put together by using the DIY cover on your home insurance free of charge.