Home and contents insurance in Spain

You can return the direct debit to your bank within 30 days.

Our German staff will settle the claim for you quickly and without any problems.

The contributions will be debited directly from your Spanish account.

Yes, we send you all our policies in German.

We will send you the policy by post.

Our German staff will settle the claim for you quickly and without any problems.

A combined building and contents insurance policy usually protects you against damage caused by fire, explosion, lightning and overvoltage. Elementary damage, floods, earthquakes, storms, snow, rain, hail, water pipe damage, aesthetic damage to the building, glass damage, burglary-theft and robbery, vandalism, robbery outside the house are also covered. You also have
private liability insurance.

Underinsurance always occurs when the total value of the building and/or household contents is higher than the sum insured stated in the insurance contract. In this constellation, this means that in the event of a loss, the insurance company will only compensate the loss proportionally, even if the total loss is below the insured sum.

As a rule, furniture and furnishings are considered to be the kitchen furniture and furniture in general and the personal furnishings of the insured living quarters that are not specified as valuables, including the following items:

• Electrical household appliances, electrical and electronic equipment.
• Picture and sound equipment, personal computers, photographic cameras.
• Portable radio and/or television aerials.
• Glass, unless it is included in the building insurance.
• Decorative objects and elements, lamps.
• Clothing, crockery, cutlery, glassware,items for personal use (excluding motor vehicles, trailers and boats),
• Foodstuffs as well as domestic provisions.

As a rule, the following items are attributed to the building:

• Foundations, load-bearing walls, floors, walls,partitions, roofs, doors, windows, built-in cupboards as well as built-in glass panes, awnings and blinds.
• Annexes, such as the private garage or the motor vehicle parking and storage room, even if these are outside the space bounded by the living quarters themselves. The prerequisite is that they are part of the building in which the living quarters are located or are located on the same plot of land on which the living quarters are located and have similar structural characteristics as the main building.
• Fixed installations, such as installations for water, heating, sewage, air conditioning, electricity and gas, including connections to the general supply network, provided they are located within the plot on which the residential premises are situated, as well as solar energy, wind energy and telephone installations
• Elements required for the operation of the heating, air-conditioning and sanitary systems, such as heaters,accumulators,apparatus for cooling and refrigeration, provided they are permanently and fixedly installed in the building
• Facilities such as stairs, lifts and radio and television aerials.
  In any case, fixed decorative and ornamental elements attached to floors, ceilings and/or walls and forming part of the living quarters and belonging to the insured person, such as painting,wallpaper, fabrics,carpet or parquet, etc., are considered part of the residential building.
• Eventual fences and retaining walls for surfaces independent of the building, as well as sports facilities, swimming pools and their fixed installations are also included.
• If it is a case of joint ownership, the insurance also includes the insured’s percentage share in the joint facilities, provided that the joint insurance taken out by the co-owners is insufficient or that no such insurance exists.