Most of the companies don’t have the conditions translated, but you will find some companies that do.

Yes, as multi-risk insurance, they are two of the basic covers.

No, only fire in buildings subject to horizontal property fractions. However, it is recommended and increasingly more common to have a Multi-risk house insurance, which includes fire insurance and the price difference is not significant.

For the building, it is the reconstruction value of the property, without taking the land into account.

As far as the contents are concerned, the global mount of the contents should be informed as well as discrimination of special objects, if they exist.

The client contracts insurance for theft only, therefore he needs to declare everything, in case a claim occurs and it is only covered under a different cover, otherwise he may not receive the settlement.

Yes, being the integrated systems with security companies the ones that originate higher discounts. You can also get discounts from having: fire extinguishers, locks and security grills.

In case of an accident the insurance company assumes the payment of damages according to the special conditions of the policy, in the absence of this type of insurance it is the sole responsibility of the owner.

In this case no, but on the life insurance which is mandatory in case of credit, the older you are, the higher will be the value of the insurance premium.

Yes, for houses with more than 35 years, the acceptance is conditional.

No, only fire insurance is mandatory for all buildings with fractions subjected to horizontal property.

The financial institution requires, in case of applying to house purchase credit to combine life insurance with multi-risk house insurance to purchase a property. However, it is recommended and increasingly common, to hire a multi-risk house insurance, which includes fire insurance and the price difference is not significant.