Expat homeowners association insurance in Spain

Cover and services

• Different types of cover

  Insurance that adapts to the needs of any type of communal buildings. Insure the structure and the communal or private content if you own the property.

  Civil Liability

  We cover civil liability for:

  
  

  • Water damage, both in common and private elements.
  • The community Governing Board.
  • Work and employer.
  • Accidental pollution.
  Legal protection

  We will defend your interests as the policy holder in administrative, judicial or arbitration proceedings, which includes covering fees, duties and court costs, expenses for legal representatives, experts and notaries whenever necessary to defend the interests of the insured party. You can use this guarantee in:

  
  

  • Claims for breach of service contracts, as well as those for purchasing goods, such as: security, cleaning, supplies, etc.
  • Employment contracts. Defence against claims by salaried staff who work for the homeowners' community.
  • Defence in municipal administrative matters, such as: ordinances relating to restricted parking areas, works, cleaning, car parks, lifts, etc.
  • Legal assistance by telephone.
  Water damage

  We cover any damage caused by water to the common elements of a single-owner building or communal buildings, including:

  
  

  • Expenses to locate and seal the leak.
  • Costs of solving blockages, even if no damage is caused.
  • Repairs and/or replacements.
  • Excess water consumption bills.
  • Damage caused by frost.
  Telephone legal advice and document management

  Managing a single-owner or communal buildings is not easy, especially when you are living abroad. At Reale, we want to make your life easier, so we are happy to offer you advice over the phone and help you to manage and apply for documents and forms relating to the following matters:

  
  

  • Technical Building Inspections (ITE, in Spanish).
  • Subsidies for lifts, solar power installations, pest control, etc.
  • Licences and work permits.
• Uninhabitable buildings

  If a single-owner or communal buildings becomes totally or partially uninhabitable, Reale will cover the following costs:

  
  

  • Renting homes, garages or premises with similar characteristics to those affected.
  • Hotel accommodation costs.
  Total Ruin

  In the event that construction or renovation works carried out by third parties on the ground or subsoil, other than those carried out in the communal buildings, should result in damage to structural elements compromising the mechanical strength and stability of the building, and if the competent authority declares the total ruin and eviction of the building, Reale will cover all direct material damages.

  Electrical damage

  We cover repairs for damage produced by short circuits, combustion, alteration in the electrical grid or lightning in community facilities affecting:

  
  

  • Lifts and hoists.
  • Common electrical installations.
  • Energy generation, transformation and distribution systems.
  Employee accidents and dishonesty

  Single-owner and communal buildings need a lot of maintenance, and the person who takes care of doing that job could have an accident. At Reale, we have included protection guarantees in case of:

  
  

  • Death.
  • Absolute Permanent Disability.
  • Urgent medical care.

  
  

  Also not everyone is entirely trustworthy and some workers may prove not to be reliable. When that is case, Reale will protect you from theft or robbery by these employees.

  Fire, explosion, lightning and extended guarantees in case of wind, rain, etc.

  We cover damage in common elements and insured residences caused by:

  
  

  • Fire, explosion or lightning.
  • Smoke.
  • Rain, wind, hail or snow.
  • Flooding, clearing and removing mud and sludge.
  • Vandalism, riots and strikes.
  • Vehicles, animals or sonic waves.
  • Spillage or leakage from automatic fire extinguishing equipment.