{"id":4562,"date":"2024-07-29T11:22:07","date_gmt":"2024-07-29T09:22:07","guid":{"rendered":"http:\/\/localhost:10040\/?page_id=4562"},"modified":"2026-03-18T11:01:22","modified_gmt":"2026-03-18T10:01:22","slug":"homeowners-association-insurance","status":"publish","type":"page","link":"https:\/\/dev.pibgroupiberia.com\/en\/particulares\/soluciones-aseguradoras-para-particulares\/seguro-de-comunidades-de-propietarios\/","title":{"rendered":"Homeowners' Association Insurance"},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t

Community of Owners Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t

Protect your property or common areas with a homeowners' association insurance policy.<\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Homeowners' association insurance protects the interests of homeowners against risks such as fire, water damage or civil liability. <\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

It is vital in the event of possible accidents in common areas, such as garages or recreational areas. It also covers urgent repairs to key infrastructure, avoiding unforeseen financial burdens for residents.<\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

It guarantees peace of mind and support in the event of unforeseen events, strengthening coexistence and property security.<\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t
\n\t\t\t
<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"community\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Experts in Property Owners' Association Insurance with Comprehensive Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t

With extensive experience, our brokerage specialises in insuring homeowners' communities with tailored solutions and personalised service.

We offer robust coverages to protect properties against any eventuality, supporting the peace of mind and security of our clients.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Essential Coverage of Homeowners' Association Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Our homeowners' association insurance provides comprehensive cover specifically designed to protect the interests of owners and administrators of residential and commercial associations. The standard coverages of this insurance solution include the following sections (*).<\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t
\n\t\t\t
<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Fire, Explosion and Smoke Damage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Water damage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Atmospheric Phenomena<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Theft and vandalism<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Glass breakage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Community assistance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

(*) The information contained in this page is for information purposes only and does not constitute a binding offer. The final terms and conditions of any insurance cover are detailed exclusively in the specific policy issued. In the event of discrepancies, the terms and conditions stipulated in the specific policy shall prevail.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t

Expertise and Professionalism in Specialised Insurance Solutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t

Our team has extensive experience in designing and managing insurance solutions specifically tailored to the needs of residential and commercial communities. <\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

With a focus on comprehensive protection, we develop coverages ranging from basic risks such as fire and water damage to liability and specialised legal assistance. <\/p>\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t

Each solution is meticulously designed to ensure the peace of mind and financial security of our clients, guaranteeing a rapid and effective response to any eventuality that may affect the insured community.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t
\n\n\t\t\t\t\t\t
\n\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t
\n\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tQuestions to answer to find out if my Community is perfectly insured\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t1<\/span> Is the building correctly described and valued?<\/strong><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
  1. Constructive characteristics of the building:<\/strong>\u00a0Year of construction, built surface, floors above and below ground level, materials of the structure, water pipes, if it has green areas.\u00a0<\/li>
  2. Characteristics of use:<\/strong> homes, commercial premises, garages, gardens. As a first residence, holiday home, owner-occupied, for rent, etc.<\/li>
  3. Condition of the building:<\/strong> what maintenance is carried out, if pipes have been changed, if the fa\u00e7ade or roofs have been renovated, etc.\u00a0<\/li>
  4. The sum insured must be sufficient to rebuild the insured building in its entirety. The value of the building site is not taken into account, but all expenses from materials and labour to licenses and permits as well as professional and technical fees are taken into account.<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
    \n\t\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t2<\/span> Are the contracted guarantees relevant and sufficient?<\/strong><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Depending on the description of the building and its uses, the most appropriate guarantees and coverages will have to be selected. Some examples:<\/p>

    1. A Civil Liability limit as high as possible, with no sub-limits per victim or, if there are sub-limits, they should also be high. If there are employees on the property, Employer's Liability should be considered.<\/li>
    2. Rainwater seepage through roofs and fa\u00e7ades<\/li>
    3. Spillage of liquids other than water if diesel tanks are present<\/li>
    4. Excessive water consumption due to pipe failures<\/li>
    5. Ruin of the building due to work by third parties on the adjoining subsoil\u00a0<\/li>
    6. Frost damage if the building is located in climatologically sensitive areas.<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
      \n\t\t\t\t\t
      \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t3<\/span> Are only communal pipes and liabilities insured, or is it better to include private pipes and liabilities as well?<\/strong><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

      The guarantees eligible for this choice are usually: Water damage, Civil liability for water damage and Glass breakage.<\/p>

      And this is an option that the community must decide: whether to assume and share among all the co-owners the risks that should be the responsibility of each one individually or, on the contrary, it is preferable to have an insurance that exclusively covers the community risks, leaving each co-owner the responsibility of assuming his own risk. It does not seem fair that the community should have to manage and bear both premiums and claims for accidents for which it is not responsible. A careless neighbour who does not renovate, use or maintain his installations properly does not have to harm the rest of the co-owners or the community.<\/p>

      We recommend in general to opt for the community guarantees in the community policy and that each co-owner takes out his or her own home insurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

      \n\t\t\t\t\t
      \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t4<\/span> Am I paying an appropriate price?<\/strong><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

      Competition and modernisation in insurance management have brought about a considerable drop in premiums and the incorporation of new guarantees and services that did not exist just a few years ago. It is advisable to keep an eye on the market and periodically check that the price we pay for our insurance is still competitive.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

      \n\t\t\t\t\t
      \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t5<\/span> In the event of a claim ... Who do I call?<\/strong><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

      In the event of a claim, which is better: to have the company's assistance or a different professional service provider?<\/p>

      Whatever is best for the community.\u00a0<\/p>

      If the community or the administrator of the same already has a maintenance company that knows the building and has already demonstrated its efficiency on previous occasions, it would be the perfect candidate to continue solving the problems that arise. In this case, the insurance management consists of assessing the damages and paying the corresponding compensation, after the intervention of the expert if it is considered necessary due to the characteristics of the claim or its amount.\u00a0<\/p>

      If the community prefers, or needs it on an ad hoc basis, it is always possible to request the intervention of the repairers arranged by the company itself, who will solve the problem and pass the bill directly to the company, requesting the intervention of the expert if necessary.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

      \n\t\t\t\t\t
      \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t6<\/span> Do I keep the invoices for repairs and renovations carried out in the building?<\/strong><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

      It is very interesting to keep them, as the companies value the correct maintenance of the building when establishing the insurance premium. A community with a certain age that has renovated the communal or private pipes, replaced the roof or refurbished the fa\u00e7ade and can prove it with the corresponding invoices will obtain better insurance conditions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

      \n\t\t\t\t\t
      \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t7<\/span> What is the role of the insurance broker in the event of a claim?<\/strong><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

      We ensure that there is a fair correspondence between the damages suffered and the compensation received by the community. We try to resolve claims as quickly as possible and represent the insured before the company, always in defence of their rights. A team of experienced professionals, with negotiation skills and a fluid relationship with the claims departments of the companies.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

      \n\t\t\t\t\t\t
      \n\t\t\t\t\t
      \n\t\t\t
      \n\t\t\t\t\t\t
      \n\t\t\t\t\t

      Pib Group IBERIA<\/p>\t\t\t\t<\/div>\n\t\t\t\t

      \n\t\t\t\t\t

      Protect what you value most at all times.<\/p>\t\t\t\t<\/div>\n\t\t\t\t

      \n\t\t\t\t\t

      Rely on our team for the best insurance solutions for individuals and secure your peace of mind.<\/p>\t\t\t\t<\/div>\n\t\t\t\t

      \n\t\t\t\t\t\t\t
      \n\t\t\t
      <\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
      \n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tContact<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      Seguro de Comunidades de Propietarios Protege tu finca o zonas comunes con un seguro de comunidades de propietarios El seguro de comunidades de propietarios protege los intereses de propietarios frente a riesgos como incendios, da\u00f1os por agua o responsabilidad civil. Es vital ante posibles accidentes en zonas comunes, como garajes o \u00e1reas recreativas. Adem\u00e1s, cubre […]<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":4749,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"class_list":["post-4562","page","type-page","status-publish","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/pages\/4562","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=4562"}],"version-history":[{"count":0,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/pages\/4562\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/pages\/4749"}],"wp:attachment":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=4562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}