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.
- ✓ Water damage with leak tracing and repair
- ✓ Compulsory liability cover for the community
- ✓ Advice even without a property manager
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.
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.
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.
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
Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H
About me →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? +
We have a leak and don’t know where it’s coming from — is it covered? +
Is it compulsory for the community to have insurance? +
If someone falls in the lobby or is hurt by falling debris, who is liable? +
Does it cover theft in common areas? +
We’re a small community with no property manager — can you help us? +
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.