Renting A Home In Spain? Are Your Personal Belongings Insured?
Are you renting a property in Spain? Yes, well do you have home insurance?
A lot of people assume that if the landlord has a home insurance policy then your contents are covered. However this is not normally the case.
Home insurance is split into two parts:
Buildings cover - that covers damages to the structure of the building, fixtures and fittings.
Contents cover - that covers the personal effects, furniture, the kitchen furniture and appliances, and all other belongings from your socks to your television.
Whilst your landlord might have taken out a policy to protect their buildings and property, it is highly unlikely that your landlord’s insurance policy extends to cover your personal belongings.
On a rental property, both the landlord and the tenant should take out their own home insurance. The Landlord´s home insurance will cover the building and possibly a small amount for their own contents. However, the Landlord’s contents insurance will not normally cover the tenant’s contents.
The Tenant should have personal contents insurance to cover their personal effects, and safe guard themselves from loss.
Every home needs home insurance, and at efpg we can help you find you the right insurance policy with the right cover. Our personalized plans are tailor made to suit you, whether it is a primary residence, secondary residence or rented property.
At efpg we aim to match each client with the perfect policy to suit their needs. Along with home, health, life, marine, motor, travel, pet, buildings and other specialist insurance policies, our qualified and experienced team can help with all your financial planning and pension needs. If you are interested in any of these additional services, please do not hesitate to contact us.
You can contact our team for a free, no nonsense quote today www.efpg.es , Tel: 951 818 001
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