Community Buildings Insurance

Protect the whole building, with no surprises on the day of the water leak

In a residents' association, the two things that fail most are water — that leak running down the façade that no one can trace — and liability, which is compulsory. I explain exactly where the building’s policy ends and each owner’s home insurance begins, and I size the water-damage cover so you’re not caught short.

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Direct contact with the president or property manager · Same-day response · No extra cost for advice

What matters most

✓ Water damage with leak tracing and repair
✓ Compulsory liability cover for the community
✓ Advice even without a property manager

What’s covered

Protection for the building and common areas.

Comprehensive cover for the building and its common areas, scaled to the size of your community.

Water damage

From shared pipework, with levels ranging from no leak tracing to full tracing and repair, extendable to private pipework.

Community liability cover

Towards third parties, with legal defence and bail bonds. Also includes individual liability cover for co-owners.

Fire, explosion and lightning strike

On the building and common areas.

Broken glass and windows

Glass, mirrors and communal and building sanitary fittings.

Theft and burglary

Of common elements of the building.

Cosmetic reinstatement

Leaves the repaired area looking uniform, not patched.

24h assistance

Assistance plus legal advice for the community.

The private interior of each home is not covered here: that’s covered by each owner’s home insurance. Full details on cover, limits and excesses are in the General Conditions, which I explain before you take out the policy.

So there are no surprises

What’s not covered.

Here are the most relevant exclusions; I’ll explain the rest calmly.

Lack of maintenanceDamage from wear and tear or gradual deterioration of the building.

Private interior of homesUnless it results from a covered shared incident; that falls under each owner’s home insurance.

Intentional damageDeliberately caused.

Undeclared risksElements or activities outside the specific conditions.

Full details on cover, limits and excesses are in the General and Specific Conditions of the policy.

How we work

Your Community Buildings Insurance, in three steps.

Direct contact, with or without a property manager.

Tell me about the building

Number of homes, year built, whether it has a garage or pool.

I size the water-damage cover

It’s the most frequent claim; we get it right from the start.

I prepare your quote

Clear pricing and cover explained, no small print.

Micol Astorri

Insurance advisor

Why work with me

Why take out your community’s insurance with me.

I work with presidents of small communities and with property managers alike. I explain clearly where the community’s policy ends and each owner’s begins — the most common confusion — and I size the water-damage cover so you’re not caught short.

✓ I study your real building before proposing anything
✓ Direct contact, with or without a manager
✓ Advice never costs you more
✓ From Elche (Alicante), serving clients across Spain

"The in-person service was outstanding: very attentive and understanding of my needs. She helped me avoid unnecessary, duplicate expenses. Highly recommended."

David M. · Client

Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H

About me

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.

Does the community policy cover the inside of my flat?

It covers common areas and the building’s structure; the private interior is covered by your own home insurance. I’ll explain the exact line. See Home Insurance

We have a leak and don’t know where it’s coming from — is it covered?

Yes, with the water-damage cover that includes leak tracing and repair: it locates the source, not just the damage.

Is it compulsory for the community to have insurance?

The community’s liability cover is compulsory; insuring the building also avoids huge one-off costs to owners after a claim.

If someone falls in the lobby or is hurt by falling debris, who is liable?

The community’s general liability cover, with legal defence and bail bonds.

Does it cover theft in common areas?

Yes, with the optional theft and burglary cover.

We’re a small community with no property manager — can you help us?

Yes, direct contact and cover tailored to your building.

What happens if a resident doesn’t pay their share of the policy?

The policy is taken out in the name of the community as a whole; how the cost is split between residents is managed internally by the community and doesn’t affect cover with the insurer as long as the premium is paid.

Does it cover damage caused by building work in a private flat?

Damage that private building work causes to common areas may be covered depending on the circumstances; it’s worth declaring major renovations to avoid doubts on the day of a claim. I tell you more in this article on what changes in your insurance when there are building works

What happens if a lift breaks down and causes damage?

Material damage arising from a breakdown of shared facilities, such as the lift, may be covered depending on the cover taken out; the community’s general liability responds to third parties affected.

Does it cover the community’s garage and storage rooms?

Yes, the insurance protects the building and common areas as a whole, including communal garage and storage rooms if they’re part of the insured property.

What happens if there’s a fire in a flat and it spreads to common areas?

The part affecting common areas and the building’s structure is covered by the community’s insurance; damage inside the private flat where it started falls under that resident’s own home insurance.

Do we need a different policy if we have a communal pool?

Not necessarily a different policy, but it’s worth declaring the pool when taking it out so that liability and the related material damage cover are properly in place.

Does it cover snow or wind damage to the façade?

Weather-related damage is among the basic material damage cover, within the limits and excess set by the policy wording.

What happens if a shared element, like a lamppost, causes damage?

The community’s general liability cover responds for damage its shared elements cause to third parties, including legal defence and bail bonds.

How is liability split between the community’s insurance and the resident’s own?

As a general rule, the community is liable for common areas and the building’s structure; each owner is liable for their own private interior with their own home insurance. I’ll explain the exact line for each specific case.

Does it cover vandalism in the entrance hall or stairwell?

Yes, through the optional theft, robbery and burglary of shared elements cover, which can also include damage from acts of vandalism under the conditions.

What happens if the community is in debt and can’t pay the premium?

Non-payment can lead to cover being suspended or cancelled; if there are temporary difficulties, let me know before the due date so we can look at alternatives.

Do we need to approve a change of community insurance at a residents’ meeting?

Generally yes, since it affects shared costs; I’ll prepare the comparison and the proposal so it can be presented and voted on with all the information needed.

Does it cover gardens or communal green areas?

Yes, if they’re part of the property’s common areas, they fall within the insured scope under the cover taken out.

What happens if the building is very old — is there any problem insuring it?

It’s not an obstacle, although it can affect the price or some conditions (for example, the water-damage cover); I’ll explain this in detail when preparing your quote.

Let’s start

Tell me about your building and let’s prepare your policy.

A 5-minute call is enough to know what cover works for you. No obligation, and advice never costs you more.

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