{"id":3362,"date":"2016-10-19T15:53:03","date_gmt":"2016-10-19T15:53:03","guid":{"rendered":"https:\/\/assega.com\/en\/?page_id=3362"},"modified":"2026-10-28T11:17:06","modified_gmt":"2026-10-28T11:17:06","slug":"house-comunities","status":"publish","type":"page","link":"https:\/\/assega.com\/en\/insurance-in-andorra\/house-comunities\/","title":{"rendered":"Home &#038; communities insurance in Andorra"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3362\" class=\"elementor elementor-3362 elementor-2660\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae013b e-con-full pg-hero e-flex e-con e-parent\" data-id=\"3ae013b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23ff01f elementor-widget elementor-widget-html\" data-id=\"23ff01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"bg\" style=\"background-image:url(https:\/\/assega.com\/wp-content\/uploads\/2026\/10\/habitatge-hero-assegurances-habitatge-andorra-teulades-esquist.jpg);background-position:50% 60%\"><\/div><div class=\"as-wrap\"><div class=\"pg-crumb\"><a href=\"https:\/\/assega.com\/en\/\">Home<\/a> \u203a <a href=\"https:\/\/assega.com\/en\/#s-serveis\">Insurance<\/a> \u203a <span>Home &amp; Communities<\/span><\/div><p class=\"as-eyebrow\">Home &amp; communities<\/p><h1>Protect what you love most: your home.<\/h1><p class=\"lead\">Multi-risk insurance for homes, second homes and rental flats, and a specific policy for homeowners' associations. Fire, water, theft, civil liability and legal defence.<\/p><div class=\"as-actions\"><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/home-and-communities\/\">Request a quote <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/a><a class=\"as-btn as-btn-ghost\" href=\"tel:+376868622\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 16.9v3a2 2 0 0 1-2.2 2 19.8 19.8 0 0 1-8.6-3.1 19.5 19.5 0 0 1-6-6A19.8 19.8 0 0 1 2.1 4.2 2 2 0 0 1 4.1 2h3a2 2 0 0 1 2 1.7c.1 1 .4 1.9.7 2.8a2 2 0 0 1-.5 2.1L8.1 9.9a16 16 0 0 0 6 6l1.3-1.3a2 2 0 0 1 2.1-.4c.9.3 1.9.6 2.8.7a2 2 0 0 1 1.7 2z\"\/><\/svg> +376 868 622<\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02c5d3d e-con-full pg-sec e-flex e-con e-parent\" data-id=\"02c5d3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-587db35 elementor-widget elementor-widget-html\" data-id=\"587db35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><div class=\"pg-2col\"><div class=\"pg-prose\"><h2>Your home, covered from top to bottom<\/h2><p>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 <strong>the buildings<\/strong> (the structure) and <strong>the contents<\/strong> (furniture, appliances, jewellery, computer equipment) against fire, water damage, theft and weather events, and also protects <strong>your civil liability<\/strong> as an owner or head of the household.<\/p><p>If you are the president or administrator of a homeowners' association, we have a <strong>specific policy for homeowners' associations<\/strong> that covers the building and the communal areas, with civil liability and legal defence for the association.<\/p><p>Do you have a shop or business premises? See our <a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/commerce\/\">shops &amp; retail insurance<\/a>.<\/p><\/div><div class=\"pg-img\"><img decoding=\"async\" src=\"https:\/\/assega.com\/wp-content\/uploads\/2026\/10\/habitatge-intro-assegurances-habitatge-andorra-finestra-llum-calida.jpg\" alt=\"Warm-lit window of a stone house: home and communities insurance in Andorra\" loading=\"lazy\"><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf1a59f e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"bf1a59f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d46351 elementor-widget elementor-widget-html\" data-id=\"1d46351\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>Two policies, one for each need<\/h2><div class=\"pg-tiers\"><div class=\"pg-tier hl\"><div class=\"tag\">Individuals<\/div><h3>Home<\/h3><p class=\"d\">Complete multi-risk cover for your home, second home or rental flat.<\/p><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Civil liability and legal defence<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Fire, explosion and lightning<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Water damage, including tracing and repairing the leak<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Burglary, theft and mugging outside the home<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Breakage of glass, marble and glass-ceramic hobs<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Electrical damage, weather events, vandalism<\/span><\/li><\/ul><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/home-and-communities\/\">Request a quote <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/a><\/div><div class=\"pg-tier\"><div class=\"tag\">Communities<\/div><h3>Homeowners' association<\/h3><p class=\"d\">For the building and the communal areas.<\/p><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Civil liability<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Legal defence and claims<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Fire, firefighting and salvage costs<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Debris clearance, cleaning and fire brigade attendance<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Burglary and water damage<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Glass breakage<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Catastrophic risks, acts of vandalism and weather events<\/span><\/li><\/ul><a class=\"as-btn as-btn-dark\" href=\"https:\/\/assega.com\/en\/quote\/home-and-communities\/\">Request a quote <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/a><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-026644b e-con-full pg-sec e-flex e-con e-parent\" data-id=\"026644b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-316a709 elementor-widget elementor-widget-html\" data-id=\"316a709\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>All the cover in our home insurance<\/h2><p class=\"sub\">The full breakdown of cover under the home policy.<\/p><div class=\"pg-cols\"><h4>CIVIL LIABILITY<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Owner \/ user of the home<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Head-of-household liability<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Pets<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Amateur sports activities<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Bail bonds<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Legal assistance and defence<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Claims for damages<\/span><\/li><\/ul><h4>BASIC COVER<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Fire, explosion and lightning strike<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Damage caused by firefighting<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Salvage costs<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Missing items<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Damage from smoke and other elements<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Fire brigade attendance, debris clearance and demolition<\/span><\/li><\/ul><h4>WATER DAMAGE<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Water damage to insured property<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Costs of tracing the fault<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Costs of repairing the fault<\/span><\/li><\/ul><h4>BREAKAGES<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Glass, plate glass and mirrors<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Sanitaryware<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Marble and granite<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Glass-ceramic hob<\/span><\/li><\/ul><h4>BURGLARY AND THEFT<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Burglary and robbery in general<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Damage caused by burglary or attempted burglary<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Cash (inside and outside a safe)<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Theft of furniture<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Property in storage rooms, gardens and terraces<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Replacement of keys and locks<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Mugging away from home: personal belongings and cash<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Jewellery, items taken on journeys, computer equipment<\/span><\/li><\/ul><h4>OTHER DAMAGE<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Vandalism or malicious damage<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Weather events<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Vehicle impact<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Loss of rent<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Forced relocation<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Replacement of documents<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Electrical damage<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Food in the fridge<\/span><\/li><\/ul><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1626e4c e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"1626e4c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13c5851 elementor-widget elementor-widget-html\" data-id=\"13c5851\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>Frequently asked questions<\/h2><div class=\"pg-faq\"><details><summary>What is the difference between buildings and contents?<\/summary><div>Buildings means the structure: walls, floors, fixed installations. Contents is everything inside: furniture, appliances, clothing, jewellery, computer equipment. In the <a href=\"https:\/\/assega.com\/en\/quote\/home-and-communities\/\">quote form<\/a> we ask you for an approximate value for each.<\/div><\/details><details><summary>Does it cover water damage I cause to my neighbours?<\/summary><div>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.<\/div><\/details><details><summary>Am I covered if I'm robbed away from home?<\/summary><div>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.<\/div><\/details><details><summary>What does homeowners' association insurance cover?<\/summary><div>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.<\/div><\/details><details><summary>Does it cover the food in my freezer if there is a breakdown?<\/summary><div>Yes, cover for food in the fridge is included under other damage, as is electrical damage.<\/div><\/details><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11ee503 e-con-full pg-cta e-flex e-con e-parent\" data-id=\"11ee503\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0059e6 elementor-widget elementor-widget-html\" data-id=\"d0059e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><div><h2>Insure your home or your homeowners' association.<\/h2><p>Tell us the type of property and the approximate values and we'll send you a proposal within 24 hours.<\/p><\/div><div class=\"as-actions\"><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/home-and-communities\/\">Request a home quote <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/a><a class=\"as-btn as-btn-outline-w\" href=\"https:\/\/assega.com\/en\/contact-%c2%b7-assega-assegurances-andorra-la-vella\/\">Contact us<\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe6d597 e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"fe6d597\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-268ad7c elementor-widget elementor-widget-html\" data-id=\"268ad7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>You may also be interested in<\/h2><p class=\"sub\">Other Assega insurance in Andorra<\/p><div class=\"pg-rel\"><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/commerce\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 2L3 6v14a2 2 0 0 0 2 2h14a2 2 0 0 0 2-2V6l-3-4z\"\/><path d=\"M3 6h18M16 10a4 4 0 0 1-8 0\"\/><\/svg><\/span>Shops &amp; Retail Insurance<\/a><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/life\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20.8 4.6a5.5 5.5 0 0 0-7.8 0L12 5.6l-1-1a5.5 5.5 0 0 0-7.8 7.8l1 1L12 21l7.8-7.6 1-1a5.5 5.5 0 0 0 0-7.8z\"\/><\/svg><\/span>Life Insurance<\/a><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/vehicle\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 17h14M5 17a2 2 0 1 1-4 0 2 2 0 0 1 4 0zm14 0a2 2 0 1 0 4 0 2 2 0 0 0-4 0zM3 11l2-6h14l2 6H3z\"\/><\/svg><\/span>Vehicle Insurance<\/a><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/health\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-4l-3 9L9 3l-3 9H2\"\/><\/svg><\/span>Health Insurance<\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":6133,"parent":3348,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3362","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home &amp; communities insurance in Andorra | Assega<\/title>\n<meta name=\"description\" content=\"Multi-risk home insurance in Andorra: fire, water, theft, civil liability and legal defence. 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