Yes, the customer is free to choose and contract the insurance company that he thinks best suits its interests. However, a customer that has to have to finance the purchase of a property with a financial institution may obtain benefits, not on the insurance premium but on the “spread” percentage.

No, each insurance company is free to set their own prices, including for compulsory fire insurance.

The characteristics of the building (construction and materials type, location, whether or not connected to an alarm central, etc.), may influence the risk assessment and hence the cost of insurance.

The building data and covers vary from company to company, therefore it is advisable to request simulations in at least two different companies.

For the calculation of the multi-risk house insurance premium, several elements are needed, such as zip code, year of construction, type of housing, type of location, occupation, exterior construction (materials used for construction) type of roof.

The covers are many, the option plans differ from company to company, which suggest asking for more than one quote. The most common are Fire, lightning and explosion, Storms,  Landslide, Water damage, Detection and repair of leaks and blockages, Burglary or robbery of contents, Simple theft of contents, Theft of building parts, Robbery against the person (includes money),  Strikes, riots and breakdown in public order, Acts of vandalism, malicious acts and sabotage, Fall of aircraft, Crash or impact of vehicles, objects and/or animals, Fall and breakage of aerials, Fall and breakage of solar panels, Breakage of crystals, glass, mirrors and ornamental stones.

It is a fix amount that, in the event of loss is borne by the policy holder and that is stipulated in the specific conditions, not being however, enforceable against third parties.

Depending on each company, it may be a set amount or a percentage of the amount of the damage.

It is up to the customer to pay the amount of the excess, as agreed on signing the specific conditions of the policy.

They will be covered if the client discriminates the special value assets with the amounts and requests a special acceptance from the insurance company, being an additional cover of “outside items”.

They may be covered if the client chooses to opt for the need to subscribe he additional cover of "restoration of walls, gates, fences and gardens."

No, that cover is only possible with liability insurance with a special extension to tenants.