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Liberty Seguros resolves some queries about home insurance
Q. Is Home Insurance obligatory in Spain?
A. No, it is not obligatory, but it is certainly highly recommended. Nowadays, very few properties are without home insurance. However, every customer’s needs are different. This is why Liberty Seguros has created additional coverages to allow customers to tailormake their home policy, from the most basic cover to a wide range of additional guaranties and services to make sure that you only pay for what you really need.
Q. Does Liberty Seguros Home Policy include Public Liability cover for me and my family?
A. Yes, as long as the property contents are insured in the home policy. The policy Includes a standard cover that can be extended up to €1 million.
Q. Does Liberty Seguros Home Insurance Cover Tenant Vandalism?
A. Yes, you can add an optional cover: ‘act of vandalism by tenants’ guarantee, with up to €3,000 cover, which will allow you to forget about any hassle and get a profitable rental income.
Q. Are my garden and its contents covered by my home insurance?
A. Yes, Liberty Home Insurance has a specific standard cover for garden and terrace furniture, that can be extended up to €12,000. Our policy also includes a garden reconstruction guaranty, including replanting of trees.
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Q. What should I consider to calculate my home policy contents amount?
A. This will always depend on the size of the property, the property use, number of people living at the property, etc, but please make sure that you consider, at least, the following: Kitchen furniture and appliances, furniture and softfur nishings for every room, clothes and personal belongings.
Do not forget that jewellery and valuable objects are considered part of the contents cover, but you will need to consider the value of each item.
Q. What should I do in case of a home insurance claim?
A. Please make sure that you and any other person at home is safe and can move to a safe place. Then, take steps to minimise any damage and contact your Home Insurance Assistance Department to report the claim (Liberty’s 24/7 home assistance phone number is 900 556 000).
Make sure that you provide your insurance policy number and details of the claim; and inform about what, when and how it happened. Please be aware that claims should usually be reported no later than seven days after the claim date.
