{"id":94129,"date":"2017-08-09T09:00:41","date_gmt":"2017-08-09T09:00:41","guid":{"rendered":"http:\/\/www.dompick.com\/?p=94129"},"modified":"2020-05-31T19:33:25","modified_gmt":"2020-05-31T19:33:25","slug":"home-insurance-spain","status":"publish","type":"post","link":"https:\/\/dompickc-cp5030.wordpresstemporal.com\/dompick.com\/home-insurance-spain\/","title":{"rendered":"HOME INSURANCE IN SPAIN: 9 THINGS YOU SHOULD KNOW"},"content":{"rendered":"<p>If you already have your home in Mallorca, it\u2019s time to think about your options of home insurance in Spain. Half of all houses in Spain have no insurance and this might be a problem as the percentage of accidents at homes it\u2019s the highest in this sector, with over 5 million registered cases annually just in Spain.<\/p>\n<p><span style=\"font-weight: 400;\">Wanna keep out of those statistics? Keep reading! Even though it is not mandatory to have home insurance in Spain if your property doesn\u2019t have a pending mortgage, having it will keep your mind at peace. \u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h2><span style=\"font-weight: 400;\">What is a home insurance policy?<\/span><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There are different types of policies you can choose from, protecting you from damages to the structure of the house itself, to the objects contained in it.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h2><span style=\"font-weight: 400;\">Which one do I choose?:<\/span><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The basic types of policies are these:<\/span><\/p>\n<ul>\n<li><b>Basic:<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The simplest and cheapest alternative. It keeps your property covered against fire, explosions, robbery, pipe fixing, floods, broken windows&#8230; <\/span><\/p>\n<ul>\n<li><b>Intermedium:<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">At a higher price but still very affordable, offers everything the basic plan covers plus civic responsibilities, esthetic damage, home assistance and defense attorneys. <\/span><\/p>\n<ul>\n<li><b>Full:<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This service also covers fixing of electrodomestic appliances, tech appliances maintenance and DIY projects.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h2><span style=\"font-weight: 400;\">How to calculate the price of the insurance<\/span><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These are things that might have an impact on how much you spend on your home insurance<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The size of your property. To be able to calculate this, it\u2019s important to take as an estimate the amount of money you would need to rebuild entirely. Este valor se obtiene por la superficie en metros cuadrados de la vivienda (m\u00e1s garajes, trasteros, etc.),To obtain this number, just multiply the square meters of the property, by the actual market price of the square meter.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Determine if you want the insurance to cover the value of your furniture and appliances or not, as the price will vary according to the value of said objects.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">*Special value objects such as fur, jewelry, artistic objects (paintings, sculptures\u2026) need to be declared separately \u00a0<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Having a safe box will give you the option of having some type of coverage and lower the price of others.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Average price of insurance: Around 180 Euros annually in Spain, as basic coverage.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h2><span style=\"font-weight: 400;\">Undervalue\/Overvalue<\/span><\/h2>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When we\u2019re not sure exactly how to calculate the value or our property and objects contained in them, when can choose whether we could have the insurance over or under the estimated price.<\/span><\/p>\n<h2><span style=\"font-weight: 400; color: #00afe1;\">Choosing your home insurance \u00a0in Spain step by step<\/span><\/h2>\n<p><strong>Don\u2019t be afraid to ask everything you\u2019re curious about.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">This is the first and most important step. It is necessary to compare different insurance companies and banks in order to compare and choose the best possible offer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be sure to read the small letters, you need to know exactly what you\u2019re paying for and be sure we won\u2019t encounter any issues when the time comes.<\/span><\/p>\n<p><strong>Choose<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">The<\/span> <span style=\"font-weight: 400;\">most common option is to have a multi-risk\/combined insurance with civic responsibilities as a plus, everything inside and outside of the property is covered by these.<\/span><\/p>\n<p><strong>Always be sure to know how they\u2019ll pay you back<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">If we\u2019re ever in the situation of having to use our insurance, we have to know beforehand how they\u2019ll handle everything. Whether they will fix the damaged object, replace it, or downright give us cash for it\u2019s value. Make sure to know all this.<\/span><\/p>\n<h2><span style=\"font-weight: 400; color: #00afe1;\">9 things you should know<\/span><\/h2>\n<p><strong>1. Make sure to always give accurate information<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Par\u00e1metros de la vivienda y uso de la vivienda. Por ejemplo, si eres propietario o inquilino, para asegurar cada cobertura con los valores que correspondan (valor a reposici\u00f3n, a primer riesgo\u2026) Parameters and use of property, whether you are the owner or you\u2019re renting the place, to make sure everything goes smoothly at the moment of insurance.<\/span><\/p>\n<p><strong>2. Do an inventory<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Always make sure to know exactly what you own so you can have more accurate figure to insurance your goods for.<\/span><\/p>\n<p><strong>3. Never compare your insurance with anybody else<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">You insurance might be different and have different prices as every property and particular needs are differents.<\/span><\/p>\n<p><strong>4. But do compare between all of your options<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Most home insurance have very similar options, the main differences tend to be at::<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Robbery outside the property.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Esthetic damages.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Electric damages<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Complementary DIY insurance or tech assistance.\u00a0<\/span><\/li>\n<\/ul>\n<p><strong>5. Make sure to know the concept of \u201cjewelry\u201d the company you\u2019re choosing has<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">In order to avoid any misunderstanding if a robbery had taken place. Some companies just classify some objects as \u201cjewelry\u201d if they cost more than a certain amount of money.<\/span><\/p>\n<p><strong>6. Make sure to know the concept of \u201cspecial value objects\u201d the company you\u2019re choosing has<\/strong><\/p>\n<p><strong>7. If you have taken extra measures against robbery, ask the company you\u2019re choosing if you can opt for a discount<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Having a safe box, a reinforced door, grids, or alarms at home might benefit you as it might get you a discount on your insurance. Sometimes these are not valid for discounts but determinant to the amount of money you might insurance your property for.<\/span><\/p>\n<p><strong>8. Water damage<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Most regular insurance won\u2019t cover water damage, make sure to take this in account before choosing as you might need it depending on the type of property you live in.<\/span><\/p>\n<p><strong>9. Make sure to adapt the value of your Civic Responsability to your insurance<\/strong><\/p>\n<p><span style=\"font-weight: 400;\"> The common value asigned to this matter at regular insurance policies is 150.000 euros. This value can be modify to better fit the client\u2019s needs. The recommendation we give is to hire a civic responsability that covers anything from 150.000 to 300.000 euros.<\/span><\/p>\n<p><strong>10. Apartment or Chalet<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">If you live in a chalet, you will need a different type of insurance of an apartment, a more complete coverage of possible damages to the garden and such areas.<\/span><\/p>\n<h2><span style=\"font-weight: 400; color: #00afe1;\">F.A.Qs<\/span><\/h2>\n<p><b>Fire related coverage?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">These are the most common fire related accidents covered by insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage by fire<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage by explosion<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage by lightning strike<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage by smoke<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Money expenses related to extinguishing the fire <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">House rebuilt<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Garden rebuilt<\/span><\/li>\n<\/ul>\n<p><b>Does insurance usually covers time related damages, as in regular damages made without accidents but with age?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Unless you buy this specific feature, traditional insurance policies will not cover this kind of issue. <\/span><\/p>\n<p><b>What are the most common accidents?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Electrical accidents, burns, intoxications, cuts, falls, and bruises.<\/span><\/p>\n<p><b>Is everything at the same money value?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">No, in case of money, jewelry, and documentation robbery outside of the house the insurance will need proof of violence or physical threat at time of the occurrence in order to pay the indemnization, in other words, if you were in real physical danger.<\/span><\/p>\n<p><b>Does insurance covers elements outside of the house?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes, fabric roofs, curtains, antennae\u2026 All these elements are covered by your insurance, all though is always good to check everything at the moment of signing the contract to avoid future misunderstandings.<\/span><\/p>\n<p><b>Are my kids covered by my house\u2019s insurance?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes, besides you being covered by your insurance, you spouse and single, under 26 years old kids are covered. Also, your parents can be covered by your insurance if they live at the house with the owner of the policy and depend financially of this person.<\/span><\/p>\n<p><b>Does my insurance covers damages to my cellphone?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">No.<\/span><\/p>\n<p><b>Does my insurance covers my pets?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you already have your home in Mallorca, it\u2019s time to think about your options of home insurance in Spain. Half of all houses in Spain have no insurance and this might be a problem as the percentage of accidents at homes it\u2019s the highest in this sector, with over 5 million registered cases annually [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":94134,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[10],"tags":[21,22],"class_list":["post-94129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mallorca","tag-home","tag-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HOME INSURANCE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dompickc-cp5030.wordpresstemporal.com\/dompick.com\/home-insurance-spain\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HOME INSURANCE\" \/>\n<meta property=\"og:description\" content=\"If you already have your home in Mallorca, it\u2019s time to think about your options of home insurance in Spain. 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