House Insurance

Do you have a query on how to get things done in Andalucia, where to find things, who to call? Find out by posting and hear about others experiences.
User avatar
gruff
Resident
Posts: 477
Joined: Tue Apr 08, 2008 7:18 pm
Location: Wakefield and Iznate

House Insurance

Postby gruff » Mon Jan 18, 2021 6:34 pm

Would it be fair to say house insurance is a lot dearer in Spain than the U.K? I've been recommended Liberty for my holiday home and a bit shocked at the quote.

User avatar
gerryh
Andalucia Guru
Posts: 7740
Joined: Sat Jan 12, 2008 6:17 pm
Location: Cajiz, Malaga

Re: House Insurance

Postby gerryh » Mon Jan 18, 2021 6:37 pm

I suspect holiday home insurance because it could be empty most of the year, is dearer than permanent home insurance which is likely to be occupied most of the year.
Cheers
Gerry
Gerry Harris

User avatar
Enrique
Andalucia Guru
Posts: 8692
Joined: Tue Mar 24, 2009 9:47 am
Location: Mytchett/Alcala La Real

Re: House Insurance

Postby Enrique » Mon Jan 18, 2021 7:01 pm

Hi gruff,
You may get the price down if there is a key holder and someone visits weekly. Had this on a remote Property last year.
UNIX is basically a simple operating system, but you have to be a genius to understand the simplicity.

Paddy Pumpkin
Resident
Posts: 560
Joined: Mon May 01, 2017 12:06 pm
Location: Madrid

Re: House Insurance

Postby Paddy Pumpkin » Mon Jan 18, 2021 7:08 pm

Get a price for more than one company. Much like car insurance sometimes what you want to insure doesn't suit what a given company wants to insure.

https://www.rastreator.com/seguros-de-hogar.aspx

This is like confused.com and searches many companies.

elusive
Andalucia Guru
Posts: 2591
Joined: Sat Apr 07, 2012 11:49 am
Location: East of Malaga

Re: House Insurance

Postby elusive » Tue Jan 19, 2021 9:42 am

I found liberty to be more expensive when looking for different insurance quotes.but they have a good rep amongst friends. So.... get different quotes like paddy says. Linea directa etc

User avatar
gruff
Resident
Posts: 477
Joined: Tue Apr 08, 2008 7:18 pm
Location: Wakefield and Iznate

Re: House Insurance

Postby gruff » Tue Jan 19, 2021 10:48 am

A good reputation amongst Spanish insurance companies means a lot!

markwilding
Andalucia Guru
Posts: 7164
Joined: Fri Aug 14, 2009 11:02 am
Location: Bilbao Spain

Re: House Insurance

Postby markwilding » Tue Jan 19, 2021 10:49 am

I have liberty and pay less now than my first house insurance I took out over 30 years ago in the UK.

elusive
Andalucia Guru
Posts: 2591
Joined: Sat Apr 07, 2012 11:49 am
Location: East of Malaga

Re: House Insurance

Postby elusive » Tue Jan 19, 2021 2:16 pm

gruff wrote: Tue Jan 19, 2021 10:48 am A good reputation amongst Spanish insurance companies means a lot!
Exactly. In any country As they say sometimes its better to pay more

User avatar
chrissiehope
Andalucia Guru
Posts: 3508
Joined: Sun May 07, 2006 7:52 pm
Location: Cheshire & near Antequera

Re: House Insurance

Postby chrissiehope » Tue Jan 19, 2021 2:16 pm

Last insurance we took out for our holiday home (in 2019) was with Insurance for Holiday Homes & it was just under £450 - dn't know how this compares with your quotes ?
Alexandr for President (Squire for PM !)

Outside of a dog, a book is a man's best friend.
Inside of a dog it's too dark to read (Groucho Marx)

Lyric
Andalucia Guru
Posts: 2348
Joined: Fri May 16, 2008 12:36 pm
Location: Torrox Campo

Re: House Insurance

Postby Lyric » Tue Jan 19, 2021 2:40 pm

Liberty here and totally satisfied. Three claims in the last twelve years for wind damage, all settled in full, quickly and to our complete satisfaction.

User avatar
gruff
Resident
Posts: 477
Joined: Tue Apr 08, 2008 7:18 pm
Location: Wakefield and Iznate

Re: House Insurance

Postby gruff » Tue Jan 19, 2021 4:10 pm

Chrissie, I've been quoted 280 euros. Compared to £450 looks very good. Just that the insurance for my house in Wakefield is much less. As previously said I suspect because it is a holiday home.

User avatar
fincalospinos
Resident
Posts: 957
Joined: Sat Jul 16, 2005 9:17 am
Location: Caleta de Velez

Re: House Insurance

Postby fincalospinos » Wed Jan 20, 2021 12:18 pm

Beware of Linea Direct - Excellent on car insurance claims, diabolical on home insurance claims.
Hardworking resident !!

User avatar
gruff
Resident
Posts: 477
Joined: Tue Apr 08, 2008 7:18 pm
Location: Wakefield and Iznate

Re: House Insurance

Postby gruff » Thu Jan 21, 2021 12:10 pm

Been going through the details, looks very comprehensive but can see no mention of excess. Surely there must be some?

User avatar
Wicksey
Andalucia Guru
Posts: 4118
Joined: Mon Sep 20, 2004 1:21 pm
Location: Axarquia coast

Re: House Insurance

Postby Wicksey » Thu Jan 21, 2021 12:17 pm

280€ is similar to what we pay for our house and contents insurance here with Liberty. This is our full time home and is in the Campo.

casita-bonita
Resident
Posts: 1007
Joined: Thu Nov 01, 2007 4:32 pm
Location: Sayalonga,

Re: House Insurance

Postby casita-bonita » Thu Jan 21, 2021 12:20 pm

Just had our quote from LD for home insurance renewal. 330euros. Got a quote from Sabadell who came bac with 195euros... Plus no further bank charges for taking out their insurance. Win win it seems.
Regards

Bob


Who is online

Users browsing this forum: Bing [Bot] and 5 guests