Liberty Seguros's tips for keeping your home safe
Just as we all have medical check-ups or take our cars for a MOT, we should also check our homes regularly to safeguard ourselves against unforeseen events and to avoid any unpleasant surprises.
From Liberty Seguros we want to offer you some tips on how best to avoid damage to your home and share some information about what we offer for your property in Spain.
The most common claims are those caused by water damage. As a general rule, we always recommend closing stopcocks – even if you are only going to be away for a short period of time.
What’s more, there are other small actions that can be taken to prevent unintended damage too. These are all simple but effective ways to keep your home protected all year round:
- Don't use the toilet as a waste bin
- Put filters on drains
- Unclog drains when they get blocked
- Make sure your home is well ventilated
- Check pipe joints
- Make sure there are no leaks from the cistern or taps
Nevertheless, in the case of damage caused by water, Liberty Seguros home insurance policies do offer extensive cover. Policyholders can rest assured that expenses incurred about locating the damage are covered, as is the repair and replacement of damaged parts within the confines of the home.
Home insurance policies with Liberty Seguros also cover the breakage of pipes, even if there is no actual damage caused by the leak, and excess water consumption can be claimed for up to 1,000 euros per claim each year.
Lately – and as a result of climate change – extreme events which cause significant damage to homes have become more and more common. With this in mind, coverages that include damage due to atmospheric, meteorological, geological or seismic phenomena such as landslides, subsidence, or floods are in high demand.
At Liberty Seguros we have taken this into account and with our optional ‘Accidental All Risks’ cover, all of these scenarios are covered – even if they are not actually considered ‘extraordinary’ under current legislation.
Our Liberty Seguros home insurance policy includes complete assistance. We will actually send a locksmith out to you if you find yourself locked out accidentally. And of course, you are also covered for locksmith services if your keys are lost, stolen or broken, or even if the lock has been rendered useless due to an attempted burglary, or other.
Liberty Seguros believes that whilst it’s not compulsory by law, having a home insurance policy that is adapted to YOU is essential for your peace of mind. It’s for this reason that Liberty Seguros makes it as easy for you as possible to adapt your home policy to meet your real needs.
What’s more, with Liberty Seguros there are more than 200 expats agents and brokers that are available to assist you with face-to-face advice in your language.