Community insurance

Community insurance

As near to you as your neighbour

What does our insurance policy offer you?

With Comunidades Plus we will protect your community of owners as well as communal and private items in your building from any unforeseen eventuality which may arise.

Benefits of this insurance

The calm that your neighbourhood deserves

Comunidades Plus is designed to give a complete solution adapted to every building, by ensuring the calm and comfort of owners and families in the event of undesirable situations that may emerge in your neighbourhood.

For every type of community

We adapt to your community, whether it is made up of a group of dwellings with several owners or just one, or is a community of private garages.

Thinking about your neighbours' welfare

With covers against such serious risks such as fire and water damage in communal areas and public liability for buildings.

With the latest optional covers

Our offer of optional covers, such as legal protection with an option to include claims against owners for non-payment, achieves the best protection.

Community insurance

Main coverage

The entrance and other communal areas may occasionally sustain damage caused by acts of vandalism by people unconnected with the community. Our services guarantee the best protection from acts of vandalism, damages to communal furnishings or the theft thereof.

FAQs

The content includes the physical structure of the building, walls, ceilings/roofs and floors, as well as garages, parking spaces, storage rooms, installed utilities, toilets, solar panels, or leisure facilities such as swimming pools or sports grounds and garden plants and trees.

The premises is all the property, owned by the Community of Homeowners, that has been installed in the Building's communal areas and that are of common use and enjoyment.

Civil Liability covers the payment of any indemnity that the Community of homeowners has to face due to being civilly liable as a result of direct bodily harm, material damage or loss arising thereof caused unintentionally by third parties.

Communities Plus offers several modalities to complete this cover:

  • Property civil liability: arising from the insured building, and it includes actions carried out by employees contracted by the community.
  • Employers' public liability: which will take care of the corresponding indemnities arising from work-related accidents sustained by employees of the community while carrying out their work in the insured building, provided that they contribute to the Social Security system.
  • Civil liability among joint owners: available within the Communal and private areas modality.
  • Civil liability of the autonomous community's governing bodies: available as an option.

By taking out the Legal Protection optional cover, Communities Plus will assume any expenses arising from professional and legal fees in defence proceedings and/or claim fees from work-related or criminal proceedings.

If an owner does not pay their owners association fees, the owed amounts can be claimed in two ways. Firstly, amicably, whereby the owners association can request the payment from the owner and/or tenant with the corresponding interest accrued. And, secondly, the owners association can opt to claim through the courts, which will require legal advisory services and the involvement of a lawyer and/or solicitor.

By including in Comunidades Plus the optional guarantee for Claims against Owners for Unpaid Owners Fees, the Company will bear the claims expenses.

When contracting this optional cover, the community of owners insurance covers any eventual damage sustained by vehicles parked in the garage due to Fire, Explosion and/or Theft. In the event of theft, the cover is applicable exclusively to the total disappearance of the vehicle.

This protection has been conceived for the cars of owners that are kept in the communal parking area, provided that it is under cover and not in the open air.

The aim of this guarantee is to ensure any damage caused by an accident and the subsequent repair does not alter the aesthetics of your building in any way.

For example, you have some repairs carried out on your pipes and some tiles end up broken - and you can't find a match for the originals. If you have this coverage we take care of maintaining the aesthetic of the area affected, and would replace all of the tiles for new ones with similar characteristics.

If you wish, you can optionally take out the cover Machinery Breakdown, and the insurance will also take care of these repairs.

This issue mainly affects owners of buildings who have rented several dwellings or premises. By taking out the optional Rental Loss guarantee, the policy covers the loss of these amounts. Compensation will be calculated based on the monthly amount of the rentals in effect at the time of the claim and the material term necessary to render the affected dwellings, offices or premises usable again.

Why choose Plus Ultra Seguros?

The best professionals

Automatic reappraisal

Repair service

We adapt to your community

To make setting up your insurance simpler, Comunidades Plus places two types of contract at your disposal to suit the characteristics of your community of owners as far as possible.

Modalities

This contracting modality includes the previously described covers, which are aimed at protecting the communal areas and elements belonging to an association of homeowners.

Communities Insurance - Comparative Table

Communities Insurance - Comparative Table
CoverageCOMMUNAL AREAS MODALITYCOMMUNAL AND PRIVATE AREAS
FIRE, EXPLOSIONS, SMOKE AND LIGHTNING STRIKESIncluded Included
ELECTRICAL DAMAGE TO COMMUNAL FACILITIESIncluded Included
ELECTRICAL DAMAGE TO COMMUNAL CONTENTSNot Included Included
FEES FOR THE PARTICIPATION OF EXPERTSIncluded Included
WEATHER DAMAGE:Included Included
Rain, wind, hail and snowIncluded Included
Leaking and filtrationOptionalOptional
OTHER TYPES OF DAMAGE: vandalisation, flooding and vehicular or animal impacts.Included Included
WATER DAMAGE IN COMMON AREAS:Included Included
Damage caused by water (including detecting and repairing faults)Included Included
Detection and reparation of tubes without damageOptionalOptional
Unblocking expensesOptionalOptional
Costs of unblocking that has not led to damageOptionalOptional
WATER DAMAGE IN PRIVATE AREASNot Included Included
EXPENSES DERIVED FROM DAMAGE: Extinguishing fires, demolition and removal of debris, inhabitability or document reconstruction.Included Included
AESTHETIC DAMAGE TO STRUCTURES IN COMMON AREASIncluded Included
AESTHETIC DAMAGE TO STRUCTURES IN PRIVATE AREASNot Included Included
BROKEN WINDOWS IN COMMON AREASIncluded Included
BREAKAGE OF GLASS IN PRIVATEAREASNot Included Included
THEFT, ROBBERY AND DAMAGE IN COMMUNAL AREASIncluded Included
Community fundsIncluded Included
Duplicate keysIncluded Included
Theft of Community PropertyIncluded Included
THEFT, ROBBERY AND DAMAGE ON PRIVATE AREASNot Included Included
CIVIL LIABILITYIncluded Included
Property-Related Civil LiabilityIncluded Included
Extended Property-Related Civil LiabilityOptionalIncluded
Employers' Civil LiabilityIncluded Included
Legal defence, expenses and bail bondsIncluded Included
Civil Liability among Joint OwnersNot Included Included
Public Liability of the Autonomous Community's Governing BodiesOptionalOptional
MACHINERY FAILUREOptionalOptional
LOSS OF RENTOptionalOptional
VEHICLES KEPT IN GARAGESNot Included Optional
LEGAL PROTECTIONOptionalOptional
Landlord claim for non-payment of expensesOptionalOptional
24-HOUR COMMUNITY ASSISTANCEOptionalOptional