The whole or part of the building used as your home, comprising the foundations, outer and inner walls, and roofs, as well as fixed facilities, such as those for heating, air conditioning, water, electricity and gas, telephone and sanitary fittings, television aerials, solar panels, including the value of floor, ceiling or wall coverings, such as parquet, wallpaper, paint, wood or plaster decoration, security facilities and, in general, everything that forms part of the home, including fences, enclosures, walls and other elements at the property, such as swimming pools, tennis courts and outbuildings, provided that they are located within the site of the main residence.
Homes will also be deemed to comprise box rooms, garages and, in general, those rooms that, though not forming an integral part of the home, are in the same building and are meant for your exclusive private use.
If you are the co-owner, the insurance also includes, aside from your individual property, the corresponding part of the jointly-owned property.
If you have a mortgage loan, the value of the buildings will be that indicated in the appraisal as the insurance value. Otherwise, indicate the reconstruction value of the property and of its facilities.