Community / Block Insurance
Protect your residents' community against the unexpected, with insurance tailored to the building and its real needs.
Community cover: for every situation
Residents' communities
Protection for the building and common areas against property damage, liabilities and the most common everyday claims.
- Common areas
- Community public liability
Communities with a property manager
Clear, well-structured policies so the property manager can administer with confidence, with no surprises or cover gaps.
- Simple management
- Clear terms
Buildings with shared facilities
Lifts, garages, pools or shared facilities: each element has its specific cover within the policy.
- Garages and pools
- Facilities covered
Choose the protection you need
Basic
Essential protection: public liability, structural damage and legal defence.
- Community public liability
- Building damage from fire and water
- Legal defence
- Claims management
Complete
The most requested cover. Protects everything that can happen in a building.
- Everything in the Basic plan
- Extended water damage
- Glass breakage in common areas
- Theft and malicious damage
- Extended public liability
Bespoke
For large buildings, with special facilities or specific needs.
- Cover based on age and type
- Garages and pools included
- Tailored to the number of homes
There is no general legal obligation, but many autonomous regions and community statutes require it. Besides, without insurance the owners are personally liable for damages.
The building, entrances, staircases, garages, storage rooms, lifts, shared installations and the community’s public liability towards third parties.
Yes. The Complete and Bespoke plans include water damage in communal pipes and common areas. It is one of the most used covers.
Yes. The insurance adapts to the number of homes, the age of the building, the facilities and the rebuilding value.
It depends on the region. In Andalusia there is no general legal obligation, but many communities require it in their statutes. It is also highly recommended to cover the community’s public liability for damage to third parties.
It covers the building structure (common areas, installations), the community’s public liability and damage such as fire, water, theft and weather events in the common areas. It does not cover the interior of private homes — that is covered by each owner’s home insurance.
Yes. At Segurmar we regularly work with property managers in Marbella and the Costa del Sol. We handle the comparison, the policy setup and claims processing in coordination with the manager.
Shall we review your community's insurance?
We compare your current policy with what we offer and tell you if there's room to improve.