Buildings & Contents Insurance
Whether you buy a property through us or not, you will need to think about buildings and contents insurance. Documents are issued in English.
REQUEST A QUOTATION!
Contact us to obtain a quotation. You will need to know the size of the property in m2, the type of property (eg detached or linked villa, apartment etc) and the value of the contents. Please note that kitchen units, bathroom sanitaryware and air-conditioning units are classified as contents and you will need to add the value of these items to the cost of the furniture and equipment you have. There is a small surcharge for property unoccupied for more than 30 days so please mention it also at the time of the request for quotation.
SUMMARY OF THE COVERAGE OF THE POLICY
The following table gives a summary of the basic and optional coverage, indicating the percentage of coverage.
|
|
BASIC COVERAGE |
Maximum coverage
Buildings |
Maximum coverage
Contents |
|
1 |
Fire, lightning, explosion, spontaneous explosion and side effect |
100% |
100% |
|
2 |
Demolition and rubble clearance costs |
100% |
100% |
|
3 |
Fire-fighting costs |
100% |
100% |
|
4 |
Electrical damage |
100% |
100% |
|
5 |
Smoke damage |
100% |
100% |
|
6 |
Acts of vandalism or malicious mischief |
100% |
100% |
|
7 |
Wind, hail or snow |
100% |
100% |
|
8 |
Vehicle collision |
100% |
100% |
|
9 |
Sound waves |
100% |
100% |
|
10 |
Reconstruction of gardens |
5% |
- |
|
11 |
Falling trees, posts or aerials |
100% |
100% |
|
12 |
Water damage |
100% |
100% |
|
13 |
Replacement of public documents |
- |
100% |
|
14 |
Replacement of personal accreditation documents |
- |
100% |
|
15 |
Cosmetic repairs to the building |
5% |
- |
|
16 |
Breakage of glass, mirrors and Plexiglas |
100% |
100% |
|
17 |
Breakage of marble, granite and artificial stone |
- |
100% |
|
18 |
Breakage of kitchen ceramic hobs |
- |
100% |
|
19 |
Breakage of fixed bathroom appliances |
100% |
- |
|
20 |
Robbery and theft |
- |
100% |
|
21 |
Damage to the building through robbery |
100% |
- |
|
22 |
Hold-up outside the home |
700 euros |
|
|
23 |
Misappropriation |
- |
10% |
|
24 |
Credit card fraud |
350 euros |
|
|
25 |
Replacement of locks |
- |
100% |
|
26 |
Damage to foodstuffs in cold stores and refrigerators |
- |
2% |
|
27 |
Uninhabitability of the dwelling |
- |
100% |
|
28 |
Loss of rent |
100% |
- |
|
29 |
Property temporarily removed |
- |
10% |
|
30 |
Civil liability |
Specific sum |
|
|
31 |
Claims for damages |
3,200 euros |
|
|
32 |
Assistance for the home |
|
|
|
33 |
Extraordinary risk |
|
|
|
34 |
Replacement value insurance |
|
|
OPTIONAL COVERAGE |
Maximum coverage |
|
| 1 | Objects of special value |
Specific sum |
| 2 | Jewellery |
Specific sum |
| 3 | Vehicles situated in the dwelling |
Specific sum |
| 4 | Contents belonging to third parties |
Specific sum |
| 5 | Injury accidents |
200% of Contents |
UK 01444 391168SPAIN +34 630 949 196INT +44 1444 391168
ask@sunshinevillas.co.uk