Project Description

HOMEOWNERS AND CONTENTS INSURANCE

Homeowners and contents insurance

in Spain is often better and more extensive than in other European countries

With property insurance, property owners in Spain protect the exterior of their property, with home contents insurance protecting all household contents in the living space. Especially in this area, a comparison of the leading insurer is crucial and will be taken over by us for you. It is always cheaper when a combination of both insurance policies with the provider is agreed.

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1 Step 1
2 Step 2
How is the property used?
Information about the property
Outside closed village? (> 1km)
Floor with number
living space (sqm total)
remaining area (sqm)
Construction year
Last renovation
Insurance sum
Building insurance
Household insurance
Valuables

For co-insurance of the valuables given below, the items contained in the sum insured must be stated.

Note: valuables are only insured, if stated here.

Valuables

Valuables: paintings, sculptures, antiques, precious rugs, silverware / carcase silver

Cash
Jewellery
Other
Property Security
Is a burglar alarm system available?
Security
Personal Information
Where is your property located?
Street & No.
Post code
City
First name
Surname
Phone numberIf you want to further personalize your offer and benefit from special offers
phone
Do you want to specify a correspondence address?
Street & No.
Post code
City
Would you like to provide further information?
How can we help you?
0 /
Language
Privacy Policy
A lot is going on in the insurance industry right now.
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Home and contents insurance in Spain is often better and more extensive than in other European countries.
The standard catalogue of insured perils includes not only fire, lightning, explosion and aircraft impact (an international minimum cover called FLEXA), but also almost any other hazard or event which might cause loss or damage. Obvious perils such as water damage, burglary or robbery, windstorm, electric surcharge (very frequent source of damages), glass breakage, etc. are always included. Generally speaking, every policy in Spain includes natural perils such as earthquakes, tornados, tidal waves and, for those residing in mainland Spain, even avalanches. Outside Spain, it is often impossible to get natural perils insured at all.

Home and homeowners liability is also automatically included in home insurance policies.
Contents insurance policies regularly include personal liability and Third Party Liability for pets. There will be no extra charges even if you happen to have a dozen dogs unless they are considered to be a dangerous breed.
Integrating all these insured perils in a single policy has a positive impact on premiums.

The house insurance is based on the RECONSTRUCTION VALUE of the entire premises, including pools, garden walls, etc. Obviously, the plot does not need to be included in this calculation.
Contents insurance in turn is based on the REPLACEMENT COST of all items which are mobile and not attached to the house. When it comes to estimating the proper sum to be insured on your insurance policy, the possessions should be determined precisely (furniture, electrical equipment to clothing, etc.) in order to accurately calculate the replacement costs of the contents.
A unique feature in Spain is the Consorciopool. This public institution enjoys full authority to act in the event of losses resulting from catastrophic events. Once the pool assumes responsibility, your actual insurer is no longer part of the process.

The list of the most relevant insured perils normally includes:

  • Fire, lightning, explosion, aircraft impact
  • Electrical surcharge
  • Burglary, robbery
  • Windstorm, hail
  • Natural perils such as earthquakes, tornados, tidal waves, etc.
  • Land sliding, subsidence
  • Glass breakage
  • Debris removal
  • Alternative accommodation
  • Personal and pet-keepers liability
  • Others

Premiums reflect the sums insured and the very complete insurance coverage that home and contents insurance policies offer. Therefore, they are not necessarily cheap but they represent excellent value for money. Experience shows that a holiday home in Spain is not as well attended as a principal residence. Some problems, such as water leaks, air conditioning failures, etc., are often detected late and, consequently, damages are much higher as if these damages would have occurred at home.
Insurance companies offering premiums below market standards will invariably reduce their claims payments because the amount of losses is very much the same to all insurers.

In Spain insurance policies invariably run for 12 months. They are automatically renewed unless cancelled with one months prior notice.

Insurance agents in Spain (as in any other country) often offer very low premiums in order to get new clients making false statements on security measures, reconstruction or replacement values. These faults may remain unnoticed until a significant loss occurs and then the insured – not the agent – is penalized by the insurer.

Spanish banks are very aggressive when selling insurance policies to their clients. A reliable aftersales service or assistance with claims is generally non-existent.

Besides calculating the sum insured as accurately as possible, you need to inform the insurer correctly regarding the usage of the insured premises. Is it a permanent or holiday home? Is it intended for to be let out? Short-term or long-term?

  • Fire, lightning, explosion
  • Water damage
  • Windstorm, hail
  • Electrical surcharg
  • Natural perils such as earthquakes, tornados, tidal waves, etc
  • Glass breakage
  • Burglary, robbery
  • Including liability insurance
  • Aesthetic restoration
  • Natural hazards
  • Landslide and subsidence
  • Reimbursement of expenses for clean-up work
  • Alternative accommodation
  • Others

serviceplus, more than just standard

At Iberia insurance brokers customers receive an Iberia Service+. But what does that mean? It’s very simple, our customers are worth a lot to us, and so we want to offer our customers more service through the standard insurance service. Service for which no one of our customers has to pay extra or has to conclude an extra contract – just our service for you.

  • Selection of insurance from more than 10 different insurance companies
  • 24/7 hotline – free – Spain wide
  • personal consultation for the customer on spot
  • Cost-benefit analysis of the pension schemes with optimization suggestions
  • Advice in your language
+34 971 69 90 96
[[[["field13","equal_to","Apartment"]],[["show_fields","field14"]],"and"],[[["field42","equal_to","Yes"]],[["show_fields","field43,field44,field45"]],"and"],[[["field46","equal_to","Yes"]],[["show_fields","field47"]],"and"],[[["field3","equal_to","Ownership"]],[["show_fields","field5"]],"and"],[[["field52","equal_to","Please keep me informed about new and upcoming products and services"]],[["trigger_integration",null,null,"MailChimp"]],"and"]]
1 Step 1
2 Step 2
How is the property used?
Information about the property
Outside closed village? (> 1km)
Floor with number
living space (sqm total)
remaining area (sqm)
Construction year
Last renovation
Insurance sum
Building insurance
Household insurance
Valuables

For co-insurance of the valuables given below, the items contained in the sum insured must be stated.

Note: valuables are only insured, if stated here.

Valuables

Valuables: paintings, sculptures, antiques, precious rugs, silverware / carcase silver

Cash
Jewellery
Other
Property Security
Is a burglar alarm system available?
Security
Personal Information
Where is your property located?
Street & No.
Post code
City
First name
Surname
Phone numberIf you want to further personalize your offer and benefit from special offers
phone
Do you want to specify a correspondence address?
Street & No.
Post code
City
Would you like to provide further information?
How can we help you?
0 /
Language
Privacy Policy
A lot is going on in the insurance industry right now.
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right
FormCraft - WordPress form builder
[[[["field55","equal_to","Please keep me informed about new and upcoming products and services"]],[["trigger_integration",null,null,"MailChimp"]],"and"]]
1 Step 1
How can we help?
0 /
First Name
Surname
Phone
call
Insurance
Language
Privacy Policy
A lot is going on in the insurance industry right now.
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right
FormCraft - WordPress form builder
[]
1 Step 1
How can we help?Wie können wir Ihnen behilflich sein?
0 /
First Name / Surname
PhoneWenn Sie Ihr Angebot noch weitre personalisieren und von speziellen Angeboten profitieren möchten
call
Insurance
Privacy Policy
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right
FormCraft - WordPress form builder

Home and contents insurance in Spain is often better and more extensive than in other European countries.
The standard catalogue of insured perils includes not only fire, lightning, explosion and aircraft impact (an international minimum cover called FLEXA), but also almost any other hazard or event which might cause loss or damage. Obvious perils such as water damage, burglary or robbery, windstorm, electric surcharge (very frequent source of damages), glass breakage, etc. are always included. Generally speaking, every policy in Spain includes natural perils such as earthquakes, tornados, tidal waves and, for those residing in mainland Spain, even avalanches. Outside Spain, it is often impossible to get natural perils insured at all.

Home and homeowners liability is also automatically included in home insurance policies.
Contents insurance policies regularly include personal liability and Third Party Liability for pets. There will be no extra charges even if you happen to have a dozen dogs unless they are considered to be a dangerous breed.
Integrating all these insured perils in a single policy has a positive impact on premiums.

The house insurance is based on the RECONSTRUCTION VALUE of the entire premises, including pools, garden walls, etc. Obviously, the plot does not need to be included in this calculation.
Contents insurance in turn is based on the REPLACEMENT COST of all items which are mobile and not attached to the house. When it comes to estimating the proper sum to be insured on your insurance policy, the possessions should be determined precisely (furniture, electrical equipment to clothing, etc.) in order to accurately calculate the replacement costs of the contents.
A unique feature in Spain is the Consorciopool. This public institution enjoys full authority to act in the event of losses resulting from catastrophic events. Once the pool assumes responsibility, your actual insurer is no longer part of the process.

The list of the most relevant insured perils normally includes:

  • Fire, lightning, explosion, aircraft impact
  • Electrical surcharge
  • Burglary, robbery
  • Windstorm, hail
  • Natural perils such as earthquakes, tornados, tidal waves, etc.
  • Land sliding, subsidence
  • Glass breakage
  • Debris removal
  • Alternative accommodation
  • Personal and pet-keepers liability
  • Others

Premiums reflect the sums insured and the very complete insurance coverage that home and contents insurance policies offer. Therefore, they are not necessarily cheap but they represent excellent value for money. Experience shows that a holiday home in Spain is not as well attended as a principal residence. Some problems, such as water leaks, air conditioning failures, etc., are often detected late and, consequently, damages are much higher as if these damages would have occurred at home.
Insurance companies offering premiums below market standards will invariably reduce their claims payments because the amount of losses is very much the same to all insurers.

In Spain insurance policies invariably run for 12 months. They are automatically renewed unless cancelled with one months prior notice.

Insurance agents in Spain (as in any other country) often offer very low premiums in order to get new clients making false statements on security measures, reconstruction or replacement values. These faults may remain unnoticed until a significant loss occurs and then the insured – not the agent – is penalized by the insurer.

Spanish banks are very aggressive when selling insurance policies to their clients. A reliable aftersales service or assistance with claims is generally non-existent.

Besides calculating the sum insured as accurately as possible, you need to inform the insurer correctly regarding the usage of the insured premises. Is it a permanent or holiday home? Is it intended for to be let out? Short-term or long-term?

  • Fire, lightning, explosion
  • Water damage
  • Windstorm, hail
  • Electrical surcharg
  • Natural perils such as earthquakes, tornados, tidal waves, etc
  • Glass breakage
  • Burglary, robbery
  • Including liability insurance
  • Aesthetic restoration
  • Natural hazards
  • Landslide and subsidence
  • Reimbursement of expenses for clean-up work
  • Alternative accommodation
  • Others

serviceplus, more than just standard

At Iberia insurance brokers customers receive an Iberia Service+. But what does that mean? It’s very simple, our customers are worth a lot to us, and so we want to offer our customers more service through the standard insurance service. Service for which no one of our customers has to pay extra or has to conclude an extra contract – just our service for you.

  • Selection of insurance from more than 10 different insurance companies
  • 24/7 hotline – free – Spain wide
  • personal consultation for the customer on spot
  • Cost-benefit analysis of the pension schemes with optimization suggestions
  • Advice in your language

Personal advice

Seek advice? Get now direct and non-binding advice.
Just leave us your e-mail address or telephone number and we will get back to you as soon as possible.

Request personal advice
All form data will be transmitted encrypted and processed internally confidentially by us.

With property insurance, property owners in Spain protect the exterior of their property, with home contents insurance protecting all household contents in the living space. Especially in this area, a comparison of the leading insurer is crucial and will be taken over by us for you. It is always cheaper when a combination of both insurance policies with the provider is agreed.

HOW can I have my present policies reviewed?

Iberia Insurance Brokers will carefully scrutinize any of your insurance policies without any cost to you. Our team will then generate alternatives from insurers such as Allianz, Liberty, Zurich, DKV, Sanitas, Mutua, etc., to provide you with a complete overview of your best options. We have representatives at your service all across Spain.

Ask now for tailormade proposals fitting your circumstances and needs:
+34 971 69 90 96 - Phone
+34 900 525 890 - Phone toll free 24/7
E-Mail: info@iberiainsurancebrokers.co.uk

We will also be pleased to arrange a personal meeting at our offices or a home visit anywhere in Spain.

Denise Latocha

Denise Latocha

Write to me

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