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Liberty Quality Home - house and contents insurance

 

 

Article A. BASIC COVER: MATERIAL DAMAGE OR LOSSES SUSTAINED BY THE BUILDING AND / OR CONTENTS

 

Pursuant to the cover conditions of the policy and the limit on the insured sum stipulated in the schedule, material damage  and / or direct material losses sustained by the building or contents due to the following causes are guaranteed:

 

A13. Liability

 

The insurer guarantees the insured, within the limits and conditions stipulated in the policy, the payment of the indemnities for which the insured might be civilly liable, pursuant to current legal regulations, as a result of bodily injuries,  material damages or damage caused involuntarily to third parties, in the insured's capacity as owner or co-owner of the home described in the policy, derived from said ownership or co-ownership.

 

In addition, liability derived from water damage due to leaks, bursting, ruptures, overflows or blockage of the pipes in the insured home, installations or permanent tanks is included.

 

The liability attributable to the insured derived from carrying out restoration, repair, extension and maintenance work on the insured home is also included, providing such work is classified as minor and the budget for it does not exceed euros 30,000

 

 

 

A.13.2. If the contents are insured

 

 

 

A14. Home assistance

 

 

THE FOLLOWING IS NOT COVERED:

Claims arising from:

a. Contractual liability and damage caused by the performance of any commercial, industrial or professional activities in the insured home

b. Liability directly attributable to tenants or employees of the property

c. Damage caused by property that has been declared due for total or partial demolition

d. Damage sustained by the property that is the object of the insurance and the installations thereof

e. Damage caused by elevators or freight elevators when the current regulations concerning their conservation and maintenance have not been met, and, at all times, their liability attributable to the companies entrusted with their maintenance and conservation.

f. The liability of the company responsible for filling and maintaining gas-oil, fuel-oil, propane and similar tanks.

g. The ownership of any other property not described in the policy.

 

 

GENERAL EXCLUSIONS FROM COVERS A.13.1. AND A.13.2 (BUILDING AND CONTENTS)

Liability arising from the following is not included:

a. Damages sustained by property or animals that, for whatever reason (deposit, use, repair, handling, transformation, transport or other) is in the power, custody and control of the insured or of individuals for whom he / she is legally liable.

b. The ownership, possession, holding or use by the insured of any kind of vessel over 6 metres long

c. The ownership, holding or use of motor vehicles and any trailer or incorporated elements by the insured, due to traffic accidents, as regulated by current legislation concerning the circulation of motor vehicles.

d. Damage caused by risks that should be covered by compulsory insurance, even when such events lead to financial liability that exceeds the limit set by the aforementioned insurance.

e. Any obligation contractually undertaken by the insured in excess of the legal liability.

f. Economic losses that are not the direct consequence of bodily injury or material damage guaranteed by the policy.

g. Costs incurred by the insured to prevent a harmful event or repair the property and installations that caused an accident derived from infringements or voluntary breaches of legal regulations.

h. Fines and / or personal sanctions of any kind imposed upon the insured or the individuals for whom he / she is liable, as well as the consequences of not paying them

i. Damage caused to documents of monetary value. Indemnity shall be limited to the cost of replacing the aforementioned documents, not to the value thereof

j. For acts of bad faith, challenges and fights

k. Damage due to the infringement or breach of legal regulations

l. Transmission of infectious diseases to human beings

m. The cover of A.13.2, if the insured home is rented out by the insured or he / she has consented to its use or if the insured is a legal entity.

 

4. Risks excluded from all cover...

 

Optional cover

 

 

Sociedad de Agencia de Seguros Vinculada...     Linked insurance agency 

 

Liberty Quality Home - house and contents insurance

 

Glossaries ( Liberty Seguros - glossary / glosario )

 

Cover Summary 

 

Information statement

 

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