Definition of security measures
For ground-floor flats, semi-detached and detached homes, the following are deemed to be the security measures required to prevent against burglary secure doors and windows.
Secure doors
To be classed as secure, a door must be made of wood, pvc or metal with bars and glass or be reinforced. It must have have security locking mechanisms or more than one simple lock.
A secure door may also be a door with bars.
Secure windows
Windows less than three metres from the ground will be deemed to be secure if they have bars or metallic opaque blinds with interior bolts or shutters with interior bolts.
Windows over three metres from the ground do not require such protection mechanisms and are therefore deemed to be secure.
If the home does not have bars on its windows, those with reinforced glass and a security lock will be deemed to be secure. Reinforced glass will be deemed to be glass that comprises various layers interwoven with synthetic materials, with a minimum thickness of 20 mm.
Bars may be substituted by an alarm system connected to a security centre.
Other types of home
Other types of homes other than ground-floor flats, semi-detached and detached homes will be considered to have the required protection mechanisms.
What is the building?
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.
What are the contents insurance?
All items that belong to and form part of the building, fixtures and fittings, clothes and household items of the insured party, his/her family members, domestic staff and other people that live with him/her on a normal basis free of charge, provided that said items are located in the home or in adjoining buildings duly locked.
This term also includes:
- Audiovisual equipment, provided that its unit value is less than € 1,800 and is located inside the home.
- Paintings, tapestries, rugs, works of art, silver and bronze objects, ivory, collections, jewels and furs, provided that their unit value is less than € 1,800.
- The business furniture and other items of the insured party kept in any rooms of the home used as a business office, including musical instruments for professional use, provided that the value of such items does not represent, as a whole, more than 25% of the total amount of the contents.
- Clothing and personal effects in general use, bicycles, sports items and tools stored in box rooms up to a limit of 600 euros, provided that they meet the exclusivity and use requirements stated in the buildings insurance definition.
Definition of jewellery
Any gold and/or platinum objects, precious stones, fine pearls, precious metals and silver objects that serve as personal adornment.
This section must include only those jewels whose unit value exceeds € 1,800, indicating the actual market value. The list of such jewels, indicating their description and unit value, must be detailed in the insurance application.
If you have jewels with a unit value of less than € 1,800, you must include this cover in the contents section, together with your other personal effects, household goods and furniture.
For the insurance of jewels, all the jewels that form part of a set or collection will be deemed to be one item.
The amount of the jewels stated will only be insured if the home is secure.
Definition of valuables
The following will be considered to be valuables when their unit value is € 1,800 or more: paintings, tapestries, rugs, works of art, silver and bronze objects, ivory and collections, furs, audiovisual devices and musical instruments for non-professional use.
This section must include only the capital for those valuables whose unit value exceeds € 1,800, indicating the actual market value. The list of such objects, indicating their description and unit value, must be detailed in the insurance application.
If you have valuables with a unit value of less than € 1,800, you must include these in the contents section, together with your other personal effects, household goods and furniture.
For the insurance of valuables, all the objects that form part of a set or collection will be deemed to be one item.
The amount of the valuables notified will only be insured if the home is secure.
Definition of safe
Strong box built into the wall or with a weight exceeding 100 kilogrammes.