Shared Buildings Carry Shared Risk — Make Sure Everyone's Covered
One burst pipe in a stairwell can become an expensive dispute between neighbors. Ask us for community insurance that protects the building everyone relies on.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Community / Homeowners' Association Insurance
This is arranged by the homeowners' association (comunidad de propietarios) on behalf of all owners, typically funded through community fees — it's not something an individual resident buys for their own flat. It fits any building with shared spaces (stairwells, roof, elevator, garden) regardless of size, since damage or an accident in a common area is a shared financial risk for every owner.
We explain what community insurance is and who's responsible for arranging it before selling anything.
Compare plans across insurers in one simple form.
Bilingual support for administrators and residents navigating this together.
Who Is Community / Homeowners' Association Insurance For?
You administer a homeowners' association (comunidad de propietarios) and need building-wide cover in place.
You're a resident who wants to understand what your building's shared insurance actually covers.
You manage multiple buildings and want a simpler way to compare cover across them.
What Does Community / Homeowners' Association Insurance Cover in Spain?
- Common structure. Roof, facade, stairwells and other shared structural elements.
- Electrical installation damage. Failures in the building's shared wiring, fuse boxes and motors, distinct from damage inside a flat.
- Elevators. Damage and, on some plans, liability related to elevator use — often needs confirming as included.
- Water & fire damage to common areas. Damage originating in or affecting shared spaces, as distinct from damage inside an individual flat.
- Theft in common areas. Mailboxes, intercoms and communal furniture, separate from theft inside an individual flat.
- Common-area liability. Injury to a resident or visitor in a shared space like a stairwell or garden.
- 24-hour emergency assistance. A locksmith, plumber, electrician or glazier dispatched to shared spaces, any time.
- Legal defense & unpaid-fee collection. Legal costs to pursue owners who fall behind on community fees — one of the most valued inclusions in practice.
- Shared facilities. Pool, garden equipment, communal lighting and other amenities, where present.
Worth checking before you buy
Whether elevator maintenance/liability is included or needs a separate rider — a common gap that surfaces only when there's already a problem.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Community / Homeowners' Association Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Community / Homeowners' Association Insurance in Spain
What is community insurance, exactly?
It's insurance for the shared parts of a residential building — stairwells, roofs, elevators, and common areas — things individual home insurance doesn't cover.
Is community insurance mandatory in Spain?
Requirements can vary by region and building type — we help clarify what actually applies to your specific comunidad.
Who is responsible for arranging community insurance — the association or individual owners?
Typically the homeowners' association (comunidad de propietarios) arranges this on behalf of all owners, funded through community fees.