Building and community insurance

Insurance for Communities of Owners and Buildings in Spain

We know the essential coverages for a Community of Owners to be protected.

Obtaining insurance for the Community may seem quite complicated. The experience of Meridional as administrator and Coseba, allows communities to contract the best coverage at the best price.

Coverage designed for Communities of Owners, Communities of Neighbourhoods grouped in commonwealths and properties with a single owner destined for renting.

Request a Quote

Building and community insurance

Insurance for Communities of Owners and Buildings in Spain

We know the essential coverages for a Community of Owners to be protected.

Obtaining insurance for the Community may seem quite complicated. The experience of Meridional as administrator and Coseba, allows communities to contract the best coverage at the best price.

Coverage designed for Communities of Owners, Communities of Neighbourhoods grouped in commonwealths and properties with a single owner destined for renting.

Request a Quote

Good insurance unites and gives confidence to the community.

Why should your community be insured?

Benefits of community and building insurance in Spain

An insurance policy that adapts to each type of community and that you can configure to suit your needs. Everything you expect from an insurance policy and many more advantages at no extra cost. We want you to feel special, so in addition to speaking your language, all these benefits are for you, without having to pay more for them.

Find out about the most common emergency coverages in communities.

Emergency locksmith: What would happen if you or one of your neighbours could not access the building? If your keys have been stolen, you have lost them or the access lock to the building has been disabled, we are there to help you: we will send an emergency locksmith to solve the problem.
Emergency electricity: In a building or in a community of neighbours many unforeseen events can occur, what would happen if you arrived at your community and you had no electricity? We send you an electrician who will take care of the repair.

Other star coverage

Security service: What would happen if, for whatever reason, the entrances to the building, the community or the rented accommodation were accessible and all your property exposed? There are insurances that protect everything you care about, that is why they can even send security personnel.
Brico-communities: Who takes care of those small improvements or repairs that are necessary in all communities? Many companies offer free DIY for those small improvements in: plumbing, glazing, locksmithing, electricity or masonry.
Pest Control: What if, as a consequence of a pest, rats, mice or cockroaches appear in the community? Many companies provide rat extermination, disinsectisation and disinfection of your building.

seguro para edificios y comunidades

Contact us and we will protect your community with the best coverages.

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Coverage and services

Different contracting modalities

Insurance that adapts to the needs of any type of community of owners.

They insure the building and the community or private content if you are the owner of the property.

Civil Liability

They may cover the civil liability of:

Water damage, both in common and private elements.
Of the community’s Governing Board.
Labour and employer’s liability.
Accidental pollution.

Legal protection

Defend your interests as an insured person in administrative, judicial or arbitration proceedings, covering fees, rights and legal costs, solicitor’s fees, experts and notaries, when necessary for the defence of the insured person’s interests. You can use this guarantee:

Claims for breach of service contracts, as well as purchase of goods, such as: security, cleaning, supplies, etc.
Employment contracts: Defence against claims by salaried persons working for the community.
Defence in municipal administrative matters, such as: by-laws relating to fords, building work, cleaning, parking, lifts, etc.
Legal assistance by telephone.

Water damage

They cover damage caused to the common elements of the building or of the community as a result of water, including damage caused to the common elements of the building or of the community as a result of water:

Costs of locating and closing the leak.
Costs of unblocking even if they have not caused damage.
Repairs and/or replacements.
Excess water consumption.
Damage caused by frost.

Electrical damage

They cover the repair of damage caused by short-circuit, combustion, alteration of the electrical network or lightning strike, in community installations, and which affect:

Lifts and freight lifts.
Common electrical installations.
Power generation, transformation and distribution equipment.

Inhabitability of the building

If the building or community becomes totally or partially uninhabitable, some companies will cover the costs of:

Rental of dwellings, garages or premises, with similar characteristics to those affected.
Hotel accommodation expenses.

Total Ruin

Many insurers and in the event that due to construction or reform works carried out by third parties on the ground or subsoil other than those carried out in the Community of Property Owners, damage is caused to structural elements that compromise the mechanical resistance and stability of the building and the competent authority declares the total ruin of the building and its eviction, they will be responsible for the direct material damage.

Telephone legal advice and document management

Managing a building or a community is not an easy task, especially when you live outside your country.

In Meridional we want to make your life easier, that is why we advise you by phone and help you in the management and in obtaining certain forms and forms on the following subjects:

ITE (Technical Inspection of Buildings).
Subsidies for lifts, solar energy installations, pest treatment, etc.
Licences and building permits.

Employee accidents and infidelity

Buildings and homeowners’ associations require a lot of maintenance and the people who work in this activity may suffer an accident. Many companies have incorporated guarantees to protect them against accidents:

Death.
Absolute Permanent Disability.
Urgent health care.

Moreover, not all people are the same and there may be workers who are not trustworthy. In these cases, insurance protects you against theft, robbery or theft by such employees.

Fire, explosion, lightning strike and extension of guarantees such as rain wind, etc.

Damage produced in the common elements and in the insured dwellings, as a consequence of the following can be covered:

Fire, explosion or lightning strike.
Smoke damage.
Rain, wind, hail and snow.
Flooding, mudslide and sludge removal costs.
Vandalism, riots and strikes.
Impact of vehicles, animals or sonic waves.
Spillage or leakage from automatic fire extinguishing installations.

Taking care of the important things

At Meridional we know that people are interested in four things: a simple insurance contracting process, that it is affordable, with adequate coverage, with good customer service when problems arise and if possible at least in English.

Our approach is clear: make insurance easy, fast and hassle-free. We are here to look after our homeowners and provide insurance that responds.

Specialized consulting

Our professionals are also foreigners who one day came to live in Malaga and know your problems from experience.

Fast service

We will always process an insurance or claim quickly, because we like to be attentive to any inconvenience or doubt you may have.

We speak your language

We don’t want language to be a barrier. We speak English and will do our best to communicate with you and help you.

Extraordinary Conditions

We have the experience and credibility of the leading companies in the market, which will provide the highest quality cover for you.

Simple to hire

Please call us or write us leaving your details and we will attend you by phone, by mail, WhatsApp or in an appointment at our office in Miraflores.

Payment facilities

All our insurances have payment facilities: for example monthly (health), quarterly, half-yearly or annually for the others.

We don’t say we care, our customers do.

«Alina from Meridional was very helpful throughout the process, advising me on the different coverages and helping me select the ones that were best for me. She got me a good discount on the home insurance I had.»

Elisabeth M.
American citizen in MijasAmerican citizen in Mijas

«Whenever I have had difficulties regarding a claim,the Meridional office has been very professional and efficient, helping me understand the process and calling the insurance company with them.»

Liliana M.
Costa Rican citizen in FuengirolaCosta Rican citizen in Fuengirola

«I am very happy with Meridional and Reale because, despite having a claim in my home on a Friday, in less than 48 hours they had repaired the breakage. I found that everyone delivered what they promised. Thank you very much.»

David H.
UK citizen in MarbellaUK citizen in Marbella

«I had a serious problem with a flood in my house that affected my downstairs neighbor as well. Everyone really did their job and I was very happy, and so was my neighbor.»

Olli L.
Finnish citizen in MijasFinnish citizen in Mijas