It is not obligatory to insure with your Bank just because you have a Mortgage, even though they will tell you that it is.  You are free to choose the Policy that you want for your house.

Insuring your house and its contents is very important and it is important to receive the best advice and assistance from insurance professionals to correctly assess your needs and provide you with the best protection for you and your house.

A qualified technician will attend to the malfunction of white goods or television. Parts are included in the repair up to 300€ and up to 3 hours labour.

The following are considered valuable objects:

• Jewels and jewellery:
  • Gold, silver and platinum objects, with or without pearls or set precious stones. As well as costume jewellery with an individual value exceeding 3,000 euros.
  • Gold, silver or platinum wristwatches and all types of clocks with an individual value exceeding 3,000 euros.
  • Gold and silver coins.
  • Pearls and precious or semi-precious stones.
  • Precious metal ingots.
• Objects of special value:
  • Paintings, silverware, sculptures, artworks, antiques, arms and ivory objects.
  • Rugs and tapestries whose unit value exceeds 3,000 euros.
  • Fine furs.
  • Stamp or coin collections.
  • Collector’s books, incunabula or manuscripts.

Your house is still your house, whether you use it as your Main Residence, a Holiday Home or Let Out on a long-term basis or Holiday Lets. If you are not there to look after your Home, it is more important that you have the right insurance policy to provide you the protection that you need. At Right Way Insurance, we have specific Coverage provided if the use is Holiday Lets.

If you have an incident at your home (loss of keys, theft, leaking pipe) do not hesitate to call the dedicated 24-hour emergency telephone line so that you can receive immediate assistance.

24-hour Emergency Assistance Telephone number: 900 556 000

The property located inside the building is contents, if it belongs to the insured. Property belonging to persons other than the insurance policyholder or the insured who do not habitually live with him or her are included, including property owned by tenants if the home is being rented, provided that such property is located inside the home described in the schedule, regardless of the number of owners. Such property is covered on a first-loss basis up to a maximum of 1,500 euros per claim and year. Contents are deemed to be:

• Furniture and fixtures
• Valuable Objects (jewellery, jewels and objects of special value such as painting, antiques etc.)
• Money in Cash

One important thing to remember is that in Spain, the Kitchen (furniture and appliances) is Contents, not Buildings as it is in the UK.

Building is understood as follows:

• All foundations, load-bearing walls, floors, walls, partition walls, ceilings or roofs, doors, windows, built-in wardrobes, and any glass panes installed in them, awnings and shutters.
• Adjoining buildings, such as private garages, parking spaces or storage rooms, even when located outside of the space delimited for the home, constituting an integral part of the building where the home is located or situated in the same plot or on the same terrain as the home, and with construction features similar to those of the main building.
• Fixed installations such as water, heating, sanitary, air conditioning, electricity and gas installations, including the connections to general distribution networks, and solar energy, wind energy and telephone installations, provided that they are located on the property on which the home is located.
• Elements required to operate the heating, refrigeration, air conditioning and sanitary installations such as boilers, accumulators, radiators and refrigeration and cooling devices, provided that they have been fixed to and are permanently installed in the building.
• Services such as stairs, lifts and radio and television receiving antennas.
• Fixed decorative or ornamental items attached to the floors, ceilings and/or walls such as paint, wallpaper, fabric, carpet or parquet, etc., that form a part of the home and belong to the insured shall be deemed an integral part of the building at all times.
• Any garden areas, fences and earth-retaining walls independent from the building, as well as sports areas, swimming pools and the fixed installations thereof, should they exist, are included.
• If the insured is a co-owner, the insurance cover also includes the coefficient that may affect the undivided property in the horizontal partition scheme.
• The private garage or car parking spaces belonging to the insured which are located in places other than the insured home or building may be included in the building category, provided that it has been expressly recorded in the policy and that they are located in the same municipality.
• Any modifications made to the home in order to make it suitable for use by disabled or handicapped persons are included.

Domestic animals (non-dangerous breeds of dogs or cats, birds, caged rodents) are covered under the Public Liability benefit when Contents are insured. If your Pet causes damage to another person (Third Party) you are covered up to the Public Liability limits on your Policy.
Even if your Dog is of a potentially dangerous breed you can extend your Policy to include the Public Liability coverage for a small additional premium.

To be able to calculate your Home insurance, one piece of information we will need is the square metre construction of the home. You will need to know the size of the House and if you live in a detached or terraced house you will also need to confirm the square metres of other constructed areas such as garages, terraces, outbuildings, swimming pools etc. as these are constructions. If these other areas are within a community of property owners because you live in apartment then we do not need to include these.

You can insure all types of apartments, townhouses, terraced houses, villas, semi-detached properties, village houses, garages and storage rooms that form part of the home.