Buildings and contents insurance in Spain


Hainzl & Partner has won one of the most prestigious insurance awards for house insurance. Helvetia house insurance is available immediately to our customers. We offer comprehensive protection for property and household goods in Spain under German insurance terms. Different cover packages can be found in the table below

Product Structure
The percentages are on the insured capital for the building and / or contents.

Basic cover

Limit the insured sums

Building

Contents

Fire and related services:

Fire

100%

100%

Explosion - Implosion

100%

100%

Smoke damage

100%

100%

Retrieval costs

100%

100%

Demolition and debris removal costs

100%

100%

Cost for the restoration of documents (maximum limit € 600)

100%

100%

Schlammbeseitigugskosten

100%

100%

Atmospheric Phenomena:

Lightning strike

100%

100%

Wind, hail, snow

100%

100%

Water damage

100%

100%

Rain

100%

100%

Flooding

100%

100%

Damage to different objects:

Costs of damage assessment and localization

100%

100%

Repair costs

100%

100%

Other claims and benefits:

Vandalism and malicious damage

100%

100%

Tumultarische actions and strikes

100%

100%

Vehicle crash or collision

100%

100%

Aircraft crash or space debris

100%

100%

Sound waves

100%

100%

Electrical damage (Compensation limit at max. € 1,000 per unit)

100%

100%

Refrigerated goods (Compensation limit at max. € 300)

3%

Terrace and garden furniture (Compensation limit at max. € 1,500)

5%

New or replanting of trees and gardens (Compensation limit at 3,000 €)

5%

Aesthetic restoration (max. compensation limit depending on specific conditions)

5%

Lease losses

100%

Eviction

100%

Replacement of items

100%

Property and goods belonging to third parties (Compensation limit at max. € 1,500)

100%

Items used for professional purposes (Compensation limit at max. € 6,000)

20%

Breakages (max. compensation limited in accordance with the special conditions)

Breakage of glass, windows, mirrors and plexiglass

100%

100%

Breakages of marble, granite and stone

100%

100%

Breakage of glass ceramic and induction hobs

100%

Breakages of fixed sanitary ware

100%

Burglary, robbery and theft

Burglary and robbery of private furniture

100%

Theft (compensation limit at max. € 1,800)

10%

Robbery or damage to the building caused during burglary

100%

Cash inside the home (max. compensation limit depending on specific conditions)

2%

Cash in the safe (max.compensation limit depending on specific conditions)

5%

Jewellery (max. compensation limit at 3,000 €)

15%

Replacement of keys and locks (limit at max. 600€)

100%

Robbery outside home (max. compensation limit at around 750€ per claim

Cash (limit at max. 150€)

Personal belongings and goods (limit at max. 600€)

5%

Replacing documents (limit at max. 60%)

Property and goods in storage rooms and adjacent premises (Entschädigungdlimit at max.1,500€)

10%

Fraudulent use of credit cards (max. Compensation limit at 300€)

3%

Stay outside the apartment (max. Compensation limit at 3000 €)

Cash (limit at max. 150 €)

10%

Lost luggage (max. compensation limit at 600€)

10%

Liability insurance

Leasehold liability

Private liability

Liability of the owner

According to the special conditions

Liability of the tenant

Home Assistance

included

Legal protection (max. limit at 3,000€)

included

Optional insurance

Montant assuré

Solar panels

According to the special conditions

Liability insurance for dangerous dogs

According to the special conditions

Expansion of cover for jewellery

According to the special conditions

Robbery of items of a specific value

According to the special conditions

Garaged vehicles

According to the special conditions

Pets (max. compensation limit at 900€)

According to the special conditions

Comprehensive accident (excess 150€)

100% of the building value

Comprehensive accident / items (excess 150€)

100% of items

Accidents

According to the special conditions

Damage by tenant (Excess of one month's rent, a minimum of 600 €)

3,000 € / damage

Extension of legal protection

€ 6,000 / year


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