Allianz Seguros (agente Carlos Ruiz)

The Allianz agency of Carlos Ruiz is on Carrera de las Angustias, in the centre, handling home, car, life and health cover. It holds a 5.0 over 113 reviews, an unusual record in a trade people only think about when something has gone wrong.

Your building is insured and your flat may not be

Every community of owners in Spain has a policy covering the building, and a great many foreign owners assume that is the end of it. It is not. The community policy covers the structure and the common areas. What is inside your door, and your liability if water from your bathroom ruins the ceiling of the flat below, is yours to insure.

Ask an agent to explain the split between continente, the fabric of the property, and contenido, everything in it, and to tell you what your community policy already covers so you do not pay twice. Water damage between flats is the most common claim in these buildings by a wide margin, and it is the one people discover they are not covered for.