What coverages can I get with a home insurance in Spain?
Internal or external explosion, smoke damage.
Short-circuits, overloads and lightning inductions, damage to installations and electrical appliances.
Water spillage, leaks, overflows, burst pipes, non-catastrophic flooding and failure to turn off taps.
This includes lightning, wind, hail, snow and rain.
Such as falling aircraft or collision involving vehicles or animals and sonic waves.
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.
Plumbing, electricity, security, lock smith, TV and video.
Food in refrigerator, temporary transfer or rent of temporary housing, travel and journeys, replacement documents.
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.
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.