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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:

 

A5. Theft with violence , mugging or theft with intimidation or attempted theft with violence or attempted theft with intimidation or mysterious disappearance.

 

5. Keys and locks

 

Providing the contents are insured, the replacement of keys and locks with others of similar characteristics on exterior doors and the safes and alarms of the insured home is guaranteed, due to theft with violence, mysterious disappearance, mugging or theft with intimidation or loss inside or outside the home.

 

Insured sum:  On a first loss basis, euros 600 per claim and per year.

 

 

A6. Miscellaneous expenses

 

RISKS EXCLUDED FROM ALL COVERS A5. THEFT WITH VIOLENCE, MUGGING, THEFT WITH INTIMIDATION AND ATTEMPTED THEFT WITH VIOLENCE AND MYSTERIOUS DISAPPEARANCE.

a. Any losses caused by the insured, by any family member, by his / her employees and / or individuals that live in the insured home, notwithstanding that set forth in the cover for mysterious disappearance with regard to that committed by domestic employees

b. Any claims as a result of theft with violence and / or material damage caused by attempted theft with violence in case of vacancy longer than that declared in the schedule

c. Theft with violence or theft with intimidation to people committed when the insured property or home is not protected by the security measures declared in the policy or, should they exist, when they are not operational

d. Theft with violence or theft with intimidation to people committed when the property is in a risk situation other than that indicated in the policy, except when guaranteed by the cover in Section 3. Mugging and Section A10. Temporary removal of contents in which case the terms of the aforementioned sections shall apply.

e. Property and objects left in gardens, outdoors or in open-air structures such as porches, flat roofs or patios, except for individual television and radio antennas and garden furniture included in Cover A.12.

f. Mysterious disappearance when the insured has leased, subleased or transferred the building / home for use by third parties

g. The mysterious disappearance of items and property found outside the insured home, in junk rooms, basements, garages or buildings adjoined to the insured home

h. Theft with violence or mysterious disappearance from junk rooms, garages or basements that do not have an individual lock system

i. Theft with violence, mugging or mysterious disappearance of jewels or objects of special value and cash from junk rooms, garages or basements.

j. The mysterious disappearance of cash

k. Thefts with violence, thefts with intimidation, muggings and mysterious disappearances that have not been reported to the relevant authority

l. The theft with intimidation of cash and jewels from the  insured or other individuals construed as  insured under the age of 18

m.  Mugging, if the home insured by this policy  is used to be rented out or if consent is given or it is used as a time share, as well as when 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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