{"id":1929,"date":"2025-06-24T14:43:32","date_gmt":"2025-06-24T14:43:32","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1929"},"modified":"2025-10-18T10:03:54","modified_gmt":"2025-10-18T08:03:54","slug":"community-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/","title":{"rendered":"Community Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#Seguros_para_Comunidades_Todo_lo_que_necesitas_saber\" >Community Insurance: Everything you need to know<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFPor_que_contratar_un_seguro_para_comunidades_de_propietarios\" >Why take out insurance for homeowners' associations?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFQue_cubre_un_seguro_para_comunidades_de_propietarios\" >What does homeowners' association insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFCuanto_cuesta_un_seguro_para_comunidades\" >How much does community insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#Seguro_multirriesgo_para_comunidades_precios_y_comparativa_2025\" >Multi-risk insurance for communities: prices and comparison 2025<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#1_Reale\" >1. Reale<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#2_AXA\" >2. AXA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#3_Occident\" >3. Occident<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#4_Zurich\" >4. Zurich<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#5_Mapfre\" >5. Mapfre<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#Obligaciones_legales_del_seguro_en_comunidades_de_vecinos\" >Legal obligations of the insurance in communities of neighbours<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#Conclusion_No_dejes_tu_comunidad_al_azar\" >Conclusion: Don't leave your community to chance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#FAQ_%E2%80%93_Preguntas_frecuentes_sobre_seguros_para_comunidades\" >FAQ - Frequently asked questions about community insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFQue_cubre_un_seguro_para_comunidades_de_propietarios-2\" >What does homeowners' association insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFCuanto_cuesta_un_seguro_para_comunidades-2\" >How much does community insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFEs_obligatorio_tener_seguro_en_una_comunidad_de_vecinos\" >Is it compulsory to have insurance in a block of flats?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFSe_puede_personalizar_la_poliza_de_comunidad\" >Can the community policy be personalised?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFDonde_puedo_comparar_seguros_para_comunidades\" >Where can I compare community insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/community-insurance\/#%C2%BFEl_seguro_cubre_zonas_privadas_o_solo_comunes\" >Does the insurance cover private areas or only common areas?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_para_Comunidades_Todo_lo_que_necesitas_saber\"><\/span>Community Insurance: Everything you need to know<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Living in a community of neighbours has many advantages: shared expenses, shared services and a safe environment. But when something unexpected happens, such as a water leak or a fire, the problems multiply. The solution? Having a good <strong>community insurance<\/strong> Is it compulsory? What does it cover? How much does it cost? In this article we explain everything so that you can make the best decision for your community.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_contratar_un_seguro_para_comunidades_de_propietarios\"><\/span>Why take out insurance for homeowners' associations?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although it is not compulsory in all autonomous communities, <strong>have a multi-risk insurance policy<\/strong> is a highly recommended practice. In the event of a claim, the costs can be very high, and taking them on without a policy can put the community's finances in jeopardy.<\/p>\n<p>Moreover, a one-off claim is often not enough: legal problems, damage to third parties or repeated claims require a solid and continuous solution. This is where good community insurance comes into play and becomes a tool for prevention and long-term savings.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_para_comunidades_de_propietarios\"><\/span>What does homeowners' association insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Coverage may vary from insurer to insurer, but in general, a <strong>insurance for residents' associations<\/strong> includes:<\/p>\n<ul>\n<li><strong>Material damage<\/strong>Fire, explosions, vandalism, water leaks, leaks, broken glass.<\/li>\n<li><strong>Liability<\/strong>covers damage that may be suffered by third parties in common areas (falls, landslides, etc.).<\/li>\n<li><strong>Legal defence<\/strong>legal assistance in community-related disputes.<\/li>\n<li><strong>Emergency services<\/strong>Locksmiths, plumbers, electricians and rapid assistance in case of unforeseen circumstances.<\/li>\n<\/ul>\n<p>Some policies also offer added services such as pest control, weather protection or even coverage for solar panels and electric chargers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_seguro_para_comunidades\"><\/span>How much does community insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The price depends on several factors:<\/p>\n<ul>\n<li>Location of the property.<\/li>\n<li>Age of the building.<\/li>\n<li>Number of dwellings or square metres.<\/li>\n<li>Coverage included.<\/li>\n<\/ul>\n<p>On average, the cost can be between <strong>30 and 70 euros per year per dwelling<\/strong>The range varies greatly depending on the insurer and the conditions of the building. This is why it is key to compare several offers.<\/p>\n<p>You can do it on your own or get advice from experts as in <a href=\"https:\/\/lawebdeseguros.com\/en\/\">lawebdeseguros.com<\/a>where we help you find the most suitable option for your community.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_multirriesgo_para_comunidades_precios_y_comparativa_2025\"><\/span>Multi-risk insurance for communities: prices and comparison 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>We have compiled some of the best options on the market today:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Reale\"><\/span>1. Reale<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>One of the most complete and flexible options. Highlights include civil liability cover for the Board of Directors, technical assistance and services such as locksmithing and plumbing. It also includes pest control and glass breakage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_AXA\"><\/span>2. AXA<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It offers several types of cover: for the neighbours, for the building and for general peace of mind. It includes assistance with a network of repairers, water, fire or storm damage, and legal defence. In addition, it even covers theft from cohabitants and claims for defaulters.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Occident\"><\/span>3. Occident<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Highly recommended for older communities due to its flexibility with water damage. It stands out for its service of guilds and the possibility of personalising the excess.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Zurich\"><\/span>4. Zurich<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>With its \"GO Communities\" product, Zurich is committed to modern coverage: solar panels, electric car chargers, etc. In addition, it allows high contract limits and competitive prices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Mapfre\"><\/span>5. Mapfre<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Facilitates contracting in communities up to 50 years old with only an ITE report. Avoids face-to-face technical inspections, which speeds up the whole process.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Obligaciones_legales_del_seguro_en_comunidades_de_vecinos\"><\/span>Legal obligations of the insurance in communities of neighbours<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In some regions such as Madrid or Valencia, it is compulsory to have an insurance policy that covers <strong>damage to the property and civil liability<\/strong>. In addition, the Horizontal Property Law allows an owners' meeting to decide to take out insurance to protect the building and avoid unforeseen events.<\/p>\n<p>Having insurance is a preventative measure backed by law in many areas, and in others, it is simply a smart decision to ensure peace of mind for all neighbours.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Protect your community, avoid surprises<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Compare multi-risk insurance and find the best cover for your building<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Protege+tu+comunidad%2C+evita+sorpresas\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion_No_dejes_tu_comunidad_al_azar\"><\/span>Conclusion: Don't leave your community to chance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hire a <strong>community insurance<\/strong> It's not just a matter of complying with the law or avoiding costly spills. It's a way to protect your home, your neighbours' homes and the value of your building.<\/p>\n<p>If you are looking for insurance for your community, at <a href=\"https:\/\/lawebdeseguros.com\/en\/\">lawebdeseguros.com<\/a> we help you to compare, understand and contract the best option according to your needs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_Preguntas_frecuentes_sobre_seguros_para_comunidades\"><\/span>FAQ - Frequently asked questions about community insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_para_comunidades_de_propietarios-2\"><\/span>What does homeowners' association insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It usually covers property damage, civil liability, legal defence and emergency services.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_seguro_para_comunidades-2\"><\/span>How much does community insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The price ranges from \u20ac30 to \u20ac70 per home per year, depending on the building and coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_tener_seguro_en_una_comunidad_de_vecinos\"><\/span>Is it compulsory to have insurance in a block of flats?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In some autonomous communities it is, and in others it is a highly recommended recommendation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_personalizar_la_poliza_de_comunidad\"><\/span>Can the community policy be personalised?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, many insurers allow a choice of coverages according to the needs of the building.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFDonde_puedo_comparar_seguros_para_comunidades\"><\/span>Where can I compare community insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>At <a href=\"https:\/\/lawebdeseguros.com\/en\/\">lawebdeseguros.com<\/a> you can find free help to compare and hire.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFEl_seguro_cubre_zonas_privadas_o_solo_comunes\"><\/span>Does the insurance cover private areas or only common areas?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It depends on the policy, but most cover common areas; some include private areas with extra coverage.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Protection for residents' associations against fire, water damage and civil liability. Peace of mind for owners and efficient management of unforeseen events.<\/p>","protected":false},"author":2,"featured_media":2523,"parent":1893,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[26],"class_list":["post-1929","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-generales","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1929","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1929"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1929\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2523"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}