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 |
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Building |
Contents |
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Fire and related services: |
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Fire |
100% |
100% |
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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: |
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Lightning strike |
100% |
100% |
|
Wind, hail, snow |
100% |
100% |
|
Water damage |
100% |
100% |
|
Rain |
100% |
100% |
|
Flooding |
100% |
100% |
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Damage to different objects: |
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Costs of damage assessment and localization |
100% |
100% |
|
Repair costs |
100% |
100% |
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Other claims and benefits: |
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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% |
|
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Aesthetic restoration (max. compensation limit depending on specific conditions) |
5% |
|
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Lease losses |
100% |
|
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Eviction |
100% |
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Replacement of items |
100% |
|
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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% |
|
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Breakages (max. compensation limited in accordance with the special conditions) |
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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% |
|
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Breakages of fixed sanitary ware |
100% |
|
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Burglary, robbery and theft |
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Burglary and robbery of private furniture |
100% |
|
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Theft (compensation limit at max. € 1,800) |
10% |
|
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Robbery or damage to the building caused during burglary |
100% |
|
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Cash inside the home (max. compensation limit depending on specific conditions) |
2% |
|
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Cash in the safe (max.compensation limit depending on specific conditions) |
5% |
|
|
Jewellery (max. compensation limit at 3,000 €) |
15% |
|
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Replacement of keys and locks (limit at max. 600€) |
100% |
|
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Robbery outside home (max. compensation limit at around 750€ per claim |
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Cash (limit at max. 150€) |
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Personal belongings and goods (limit at max. 600€) |
5% |
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Replacing documents (limit at max. 60%) |
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Property and goods in storage rooms and adjacent premises (Entschädigungdlimit at max.1,500€) |
10% |
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Fraudulent use of credit cards (max. Compensation limit at 300€) |
3% |
|
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Stay outside the apartment (max. Compensation limit at 3000 €) |
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Cash (limit at max. 150 €) |
10% |
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Lost luggage (max. compensation limit at 600€) |
10% |
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Liability insurance |
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Leasehold liability |
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Private liability |
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Liability of the owner |
According to the special conditions |
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Liability of the tenant |
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Home Assistance |
included |
|
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Legal protection (max. limit at 3,000€) |
included |
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Optional insurance |
Montant assuré |
|
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Solar panels |
According to the special conditions |
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Liability insurance for dangerous dogs |
According to the special conditions |
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Expansion of cover for jewellery |
According to the special conditions |
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Robbery of items of a specific value |
According to the special conditions |
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Garaged vehicles |
According to the special conditions |
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Pets (max. compensation limit at 900€) |
According to the special conditions |
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Comprehensive accident (excess 150€) |
100% of the building value |
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Comprehensive accident / items (excess 150€) |
100% of items |
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Accidents |
According to the special conditions |
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Damage by tenant (Excess of one month's rent, a minimum of 600 €) |
3,000 € / damage |
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Extension of legal protection |
€ 6,000 / year |
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