Exclusive Sanitas Insurance Agent in Spain - agente exclusivo № 33165.
SEGURO DE HOGAR - HOUSE INSURANCE
The Seguro de hogar basic package is in the highest demand (63.4% of the surveyed clients of insurance companies), which covers the following typical situations:
Fire, smoke
Damage from floods and floods
Natural disasters
Street theft, robbery
Acts of vandalism
Civil responsibility
In addition to the house, adjacent buildings, infrastructure and even plantings can be insured: a garage, a swimming pool, a garden, etc. Modern policies of this type can also cover theft while traveling and even compensation for the cost of damaged food during a power outage. In addition, such insurance may include civil liability, which implies unintentional harm to third parties, and not only by the residents of the apartment, but even by their pets. This variety covers the costs of all tenants, including tenants, for compensation for the harm caused by them through negligence (repair or rehabilitation, medical or maintenance, moral damage, etc.).
The cost of a comprehensive basic insurance package is calculated individually and depends on the type of object, its condition, area and location, mode of residence, property value, availability of an alarm system, materials used in construction, and other factors. In the event of an insured event, the specialist will assess the cost and the damage caused to calculate the compensation of expenses - this is perhaps the key point when dealing with insurance companies.
DEFENSA JURIDICA - LEGAL PROTECTION
This type of insurance will help out in litigation with utilities, neighbors or service companies. In this case, the insurance company assumes all possible expenses for legal services (submission of applications to the court, services of a lawyer and notary, case management). Also, especially often, such a policy helps out in collisions with "okupas" - uninvited guests who illegally live in someone else's housing. As mentioned above, the eviction of such individuals due to the intricacies of Spanish law is a long and bureaucratic process, which will be much easier to survive with the help of professional lawyers, especially in a foreign country.
SEGURO DE IMPAGO DE ALQUILER - RENTAL INSURANCE
If you are planning to rent your house or apartment for a long term, it is recommended to protect yourself and take out insurance against non-payment. Such protection is very popular in Spain, where the legal eviction of illegal tenants is a very long and laborious process. Moreover, such insurance works both when an unscrupulous tenant disappeared without a trace, and when he simply stopped paying rent - you just have to choose insurance coverage for a period of 6 to 18 months.
Get ready that in order to issue this type of policy, insurance companies will require a considerable number of documents from you - in particular, a long-term lease agreement and proof of the tenant's solvency (certificate of income, cash deposit or bank guarantees), on the basis of which they will accept or refuse to provide services. Often, such conditions scare away potential tenants, as a result of which the Spaniards, having hesitated, at their own peril and risk, populate people without insurance, which they quickly begin to regret.
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Exclusive Sanitas Insurance Agent in Spain - agente exclusivo № 33165.
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I'm not insured for the first year. A competent insurance specialist, a responsive person, will always tell everything on his fingers how best to do it. Thank you!