What coverages can I get with a home insurance in Spain?
Fire
Internal or external explosion, smoke damage.
Electric phenomena
Short-circuits, overloads and lightning inductions, damage to installations and electrical appliances.
Water damage
Water spillage, leaks, overflows, burst pipes, non-catastrophic flooding and failure to turn off taps.
Storms
This includes lightning, wind, hail, snow and rain.
Impact
Such as falling aircraft or collision involving vehicles or animals and sonic waves.
Damage
Glass, marble surfaces, such as kitchen worktops, sinks, basins, toilet bowls and ceramic hobs.
Theft, pillage, robbery and mugging outside the home
An expat home insurance in Spain may cover theft, break-ins and replace or repair your belongings if they have been damaged.
Domestic Emergencies
Plumbing, electricity, security, lock smith, TV and video.
Complementary coverage
Food in refrigerator, temporary transfer or rent of temporary housing, travel and journeys, replacement documents.
Expenses
Fire brigade, clearance, salvage, temporary accommodation, replacement of documents, cleaning, locating conduits and deposits, fitting glass, marble, bathroom units and vitroceramic hobs, surveying of extraordinary losses, intervention by architect and technical architect.
Public liability
Real estate, private, family, head of family and owner of animals. Damage from water leaks.
Legal protection and advice
Claims for: damages to insured goods, nuisance for smoke or gas, faulty services, easement disputes, breach of contract on domestic goods.
Conflicts with: owners’ associations, rental contract. Defense: as member of the board of the owners’ association, claims by domestic service.
