Living in Spain: practical advice to find the best insurance for your home!

All homes in Spain must be insured at home. If you buy a property in Spain, home insurance is important to consider. Despite this, studies show that one in four homes in Spain is not insured, and this entails a risk. land for sale

Home insurance is mandatory in Spain and there are frequent doubts as to what type of policy to pick out or to which company to choose or if a product already picked up protects your home correctly, especially if you're not from Spain. Not all offer the same coverage or price, so it is important to compare the market before you hire one product or another.

How should you choose the most appropriate home and need insurance option? In general, you should take into account the property's characteristics, whether it is your principal residence or a cottage, insure the building and its contents, analyze the cost of the bonus and try to include legal defense, which can be very helpful in squatting situations.

"Now, more than ever, our needs and the new trends and coverage offered by the insurance policy are being taken into account: from the theft to the acts in rental homes, including squatting, which affects 87,500 houses throughout Spain according to the Cerdá Institute," explained Liberty Seguros.

To help you find house insurance in Spain, please see 10 pieces of Liberty Seguros's advice to find the best house insurance policy for your needs in Spain:

Take into account the property characteristics

Each house has its own needs, and you must choose one insurance policy or another depending on those needs. Company experts say that, "For example, it is advisable to look for insurance covering the damage which can occur during your absence if your house has a garden. Sometimes weather conditions like summer storms or a poor drainage can cause major problems in this house "There was a mistake.

For what are you using the house?

Whether you are using the property as your principal residence, as a second home or when you rent it out, in Spain there will be a different insurance cover. In this latter case, for example, it is important to ensure that the insurance not only protects against rental failure, but also from harm or vandalism caused by the tenant.

Choose content and coverage

The building itself as well as the furniture and other valuable objects (contents) are important for taking insurance. Both should cover a good insurance.

Protect the most important goods

While insurance usually covers theft of money, jewellery and other valuables, it will be higher if the property protects these goods properly. "Having a safe in your home can therefore significantly enhance the insurance coverage and give you additional calmness," says Liberty Seguros.