ashihara king

Hi there,

we have just bought a finca in Valencia and we are looking for home insurance. L have been told to get one that covers for subsidence but lam having trouble locating one, any ideas?

ironporer

Not sure exactly what you mean by "covers for subsidence ". Home owners insurance is readily available that covers home and belongings within the home.

ashihara king

"cover for subsidence" is a special case that is NOT covered by Spanish general home insurance, It covers the repair or rebuild costs if the ground under the house moves. this could cost thousands of pounds of damage to the house. If it gets bad enough they need to tear the house down and rebuild it. it is covered in EVERY insurance policy in the UK but NOT in Spain.

Nige

Subsidence cover for buildings may not be given under a standard policy but insurance is available. You could try asking an insurance broker. If your finca in Valencia is not going to be your permanent home, why not get insurance through Lloyd's under any of the overseas holiday homes schemes? Get a policy in 'plain English' tailor made for your circumstances? One web site I found was http://www.hifxinsure.com/policy.asp which says that 'subsidence' is covered. No idea if this policy is suitable though or if the premium is sensible.

sortedtoo

do you know how much this subsidence type of cover costs - are there any other exclusions on spain policies that are normally included in uk?

thanks

Aaron203

Hi Ashira

I got my home insurance through SecInsure. Their website address is www.secinsure.com

I wish you luck in successfully insuring your home.

Regards

Aaron

PULULA

Hi!!
Try Helvetia Prevision their english hepline assistance number is 952 197059. 88% of their customers are british expats. hope this helps