What counts as a building?

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.