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A home insurance is the perfect way to avoid domestic contingencies and that your home is always protected. A home is the main investment of our life and it is essential to protect this patrimony.
The building is the building itself and the related elements. For example, it includes the structure, the constructive materials and the fixed installations that are part of the property. Fences, walls, gates, garages and storage rooms are part of the building, as are recreational and sports areas, as is the participation coefficient in the case of community buildings.
The contents are the assets of a dwelling that are found inside the dwelling and in its annexes. They are, in other words, the personal property of a household. For example, furniture, trousseau, decorative objects, household appliances or jewelry.
The sum insured of the building is the amount of money fixed in the particular conditions of the insurance contract that represents the maximum limit of the indemnity to be paid by the insurer in each claim. The sum insured for each guarantee is 100% of the insured building and contents, unless a different specific limit is indicated.
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So that you know what you can claim after the passage of a DANA (or even after the eruption of a volcano like the one that occurred in La Palma) and you can weigh up whether you want to change your insurance company so that your coverage against storms is better in the future, we tell you what situations your home insurance will not cover. In addition, we also offer you the best policies you can take out thanks to our home insurance comparator.
As for floods that may occur during torrential rains, keep in mind that this phenomenon is considered an extraordinary risk, so it will be covered by the Insurance Compensation Consortium, for which it is necessary to have a private insurance.
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Does having your house insured against fire mean that the insurance will pay regardless of the reason that caused the fire? Does the insurance only pay for the expenses of the house or does it cover other aspects? In this article we will tell you everything you need to know about home fire insurance coverage.
As an introduction to the first question I will tell you that having your house insured against fire does not mean that the insurance will be in charge of compensating you if your house burns down regardless of the reason. Regarding the second question I recommend you to check the coverages, because when there is a fire in a house you are going to incur a lot of expenses, and some insurances offer very interesting additional coverages.
On the other hand, putting out the fire has a cost, as well as staying away from home or moving furniture and belongings when the state of the house requires it, or painting the walls darkened by the smoke in the rooms that have not been affected by the fire, among other inconveniences.
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The roof is part of the structure of the building and, therefore, its repair is the responsibility of the community of owners. The owners can agree on the terms of payment at a meeting of the owners’ association: either a payment in spill or a trip to the community reserve fund. However, they cannot deny its repair.
This means that if the terrace has deteriorated because the drains have never been cleaned, the one who enjoys it pays for not having taken care of it. Normally, it is the expert or the workers who study the solutions to the damage who determine the origin of the leaks and the human responsibility behind it.