Home & communities insurance in Andorra

Your home, covered from top to bottom

Your home is probably the most valuable asset you own, and the place where the things that matter most happen. Well-designed home insurance covers the buildings (the structure) and the contents (furniture, appliances, jewellery, computer equipment) against fire, water damage, theft and weather events, and also protects your civil liability as an owner or head of the household.

If you are the president or administrator of a homeowners' association, we have a specific policy for homeowners' associations that covers the building and the communal areas, with civil liability and legal defence for the association.

Do you have a shop or business premises? See our shops & retail insurance.

Two policies, one for each need

Individuals

Home

Complete multi-risk cover for your home, second home or rental flat.

Civil liability and legal defence
Fire, explosion and lightning
Water damage, including tracing and repairing the leak
Burglary, theft and mugging outside the home
Breakage of glass, marble and glass-ceramic hobs
Electrical damage, weather events, vandalism

Request a quote

Communities

Homeowners' association

For the building and the communal areas.

Civil liability
Legal defence and claims
Fire, firefighting and salvage costs
Debris clearance, cleaning and fire brigade attendance
Burglary and water damage
Glass breakage
Catastrophic risks, acts of vandalism and weather events

Request a quote

All the cover in our home insurance

The full breakdown of cover under the home policy.

CIVIL LIABILITY

Owner / user of the home
Head-of-household liability
Pets
Amateur sports activities
Bail bonds
Legal assistance and defence
Claims for damages

BASIC COVER

Fire, explosion and lightning strike
Damage caused by firefighting
Salvage costs
Missing items
Damage from smoke and other elements
Fire brigade attendance, debris clearance and demolition

WATER DAMAGE

Water damage to insured property
Costs of tracing the fault
Costs of repairing the fault

BREAKAGES

Glass, plate glass and mirrors
Sanitaryware
Marble and granite
Glass-ceramic hob

BURGLARY AND THEFT

Burglary and robbery in general
Damage caused by burglary or attempted burglary
Cash (inside and outside a safe)
Theft of furniture
Property in storage rooms, gardens and terraces
Replacement of keys and locks
Mugging away from home: personal belongings and cash
Jewellery, items taken on journeys, computer equipment

OTHER DAMAGE

Vandalism or malicious damage
Weather events
Vehicle impact
Loss of rent
Forced relocation
Replacement of documents
Electrical damage
Food in the fridge

Frequently asked questions

What is the difference between buildings and contents?

Buildings means the structure: walls, floors, fixed installations. Contents is everything inside: furniture, appliances, clothing, jewellery, computer equipment. In the quote form we ask you for an approximate value for each.

Does it cover water damage I cause to my neighbours?

Yes, through the owner's or user's civil liability for the home. And water damage to your own property is covered by the water damage cover, including tracing and repairing the fault.

Am I covered if I'm robbed away from home?

Yes: the policy includes mugging away from home (personal belongings and cash), as well as burglary and theft inside the home, the storage room, gardens and terraces.

What does homeowners' association insurance cover?

The building and the communal areas: the association's civil liability, legal defence, fire (including firefighting, salvage and debris clearance costs), burglary, water damage, glass breakage, catastrophic risks, vandalism and weather events.

Does it cover the food in my freezer if there is a breakdown?

Yes, cover for food in the fridge is included under other damage, as is electrical damage.

Protect what you love most: your home.