Female Focus
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We’ve got the numbers!
OVER 10 MILLION HOMES IN SPAIN ARE UNDERINSURED
Advertorial
For most people their home is their biggest financial investment and one of their most important assets. Therefore it is essential that your property and all its possessions be properly and comprehensively insured.
Being simply insured is not enough. Check your insurance policy, ask your provider about potential loopholes, make sure it’s comprehensively insured, or you could face costly repairs should something go wrong.
DECIDING BETWEEN A SPANISH OR UK BASED INSURANCE COMPANY If you live in the UK and rent out your property in Spain, then it makes sense to use a UK based insurer. If you live in Spain then it may be easier to contract your home insurance from a Spanish
based insurer. Línea Directa is a Spanish based insurance company that offers comprehensive insurance for your home, with a dedicated Expat customer service centre in English or German. Whether you’re asking for a quotation or filing a claim, our customer service staff will guide you through the process and explain everything in your language. PROTECTING YOUR HOME. BUILDINGS INSURANCE Buildings insurance covers the actual structure of your home and includes garages, swimming pools, gardens, tennis courts, gates, patios and fences. Cover includes the cost of repairs from damage caused by fire, storm, flood and earthquake. Buildings insurance also covers the permanent fixtures and fittings in your Spanish home and includes fitted kitchens, bathrooms, oil and gas pipes, etc. It’s important that you check your policy carefully. The sum insured must cover the cost of rebuilding the property, and not the current market value. PROTECTING YOUR HOME. CONTENTS INSURANCE Contents insurance covers all the general contents within the home such as furniture, furnishings, electrical equipment, paintings and other valuables. It needs to cover all those items that you would take with you if you were moving house. To calculate the value of the cover, you need to work out the cost of replacing all those items. It’s important not to undervalue your contents, as this will reduce the amount you can claim. UNDERSTANDING YOUR POLICY AND ITS COVER Understanding exactly what your policy covers and exposing any loopholes can be a challenge. When you choose Línea Directa we help you decide on the best insurance for your home. We are committed to providing all our expatriate customers with comprehensive home insurance for their total peace of mind. We hope the information provided in this article is of interest. If you would like to contact Línea Directa please call 902 123 171. More information on Línea Directa online at
www.lineadirecta.com.
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