Hogar plus

Communities

'Hogar plus' community insurance

Your community, in good shape

What is this insurance?

Hogar plus communities insurance protects both the buildings and the contents of owners' communities. This protection, thanks to its different coverage, will be responsible for dealing with the most common unforeseen events that your community of neighbours may suffer. Its payment flexibility and the possibility of choosing the cover you need makes our Hogar plus communities insurance one of the most effective options for protecting your community of owners.

Benefits of this insurance

Hogar plus communities insurance protects your building and offers greater payment flexibility. It is also compatible with other types of insurance.

Flexibility

Take advantage of high-quality protection, with the option to choose the payment that best suits your needs.

Compatibility

Hogar plus communities insurance is compatible with home insurance. In fact, it is advisable to take them both out to guarantee optimum protection of your home.

Adaptability

Each community of owners has different needs. Hogar plus communities allows you to have the guarantees you really need.

Joint ownership or rent

In the event your building is set up as a community of leaseholders, also known as a tenant community, it will also be able to take out insurance.

Multi-risk community insurance plus

Main types of coverage on a community insurance policy

The Hogar plus communities insurance offers protection in the event of the following unforeseen incidents: 

  • Fire, explosion, smoke and lightning. 
  • Salvage costs. 
  • Theft and robbery. 
  • Vandalism or malicious acts. 
  • Loss of rents and forced evacuation. 
  • Aesthetic damage. 
  • Breakage of glass, windows and mirrors. 
  • Rain, wind, hail or snow. 
  • Accidental spillage, leak or escape of the automatic fire extinguishing facilities. 
  • Civil liability - extra-contractual, deposit, defence and claim. 

FAQs

In principle, it depends on each community. The Spanish Law on Horizontal Property states that the owners' communities are not obliged to take out community insurance but the compulsory nature may be added to the policy. For example, in Madrid and Valencia, owners' communities are required to have Public Liability insurance to cover the risks of fire and damage to third parties.

Yes. Building and contents will be protected.

It would depend on the needs of each community owner but the cover that you take out must protect the community's assets through personal damage coverage and public liability protection against third party claims. 

 

It is also very advisable to take out damage coverage to cover fire, atmospheric damage and water damage, as well as an amount for public liability protection against third party claims.

Yes, acts of vandalism or malicious acts are covered by our Hogar plus communities insurance.

This insurance is designed to offer full coverage to the owners' communities in their buildings, both for buildings and contents.

This insurance is designed to offer comprehensive coverage to homeowner associations, both for structure and contents.

It is compatible with other home insurance policies.

Why take out Hogar plus Communities insurance with NorteHispana?

For over 50 years we have been protecting the more than one million insured people that have placed their trust in Hogar plus communities insurance.

Flexibility

You can pay for your Hogar plus communities insurance in instalments to make the payment more comfortable.

Personalised

You can configure your Hogar plus communities insurance according to the needs of the building you live in.

Complete protection

Enjoy the most comprehensive protection of your building. It includes public liability and extra-contractual liability.