There is no doubt that insurance in neighborhood communities is more than necessary. These must be legally prepared in the event of an unexpected accident, a robbery at any home or any other incident that may put in check the tranquility and the quality of life of the neighbors. And among all, these are the essential insurance in neighborhood communities. Take note!You never miss an insurance until you need it. And, oh surprise, you do not have it. Now what? It touches carry with the problem that, in occasions, can become of great dimensions. And it is that, among the great amalgam of insurance that we find today, there are that are essential in the different communities of neighbors. All and without exception should worry about having these insurance well be managed by your farm manager or by the president on duty. Sometimes not formalize insurance thinking about saving, can come out very expensive. According to a recent study prepared by UNESPA, the Business Insurance Association,
906,000 claims are handled annually in neighboring communities.
A multi-risk insurance: 6 types of insurance in oneUndoubtedly, the most advisable thing for a community of neighbors is to opt for the one known as multi-risk insurance. It contains at least 6 types of insurance or coverages, the most essential in neighborhood communities. And these are ...
1. Material damage insurance. The purpose of this insurance is to protect the community of neighbors against the damages caused by fires, explosions or implosiones of fact in communities like Madrid or Valencia are obligatory. It also covers water damage with leak problems (as common) as the most common damage in this type of property.
2. Provisional reassurance insurance. It deals with the occasional stay of the neighbors of the community in a hotel, hostel, etc., in case the building where they reside suffers some type of damages. The neighbors return to their homes as soon as the damage has been fixed and thus they have not literally stayed on the street.
3. Theft insurance. No one is safe from theft by third parties and theft insurance protects against the damages caused by theft and robbery. It includes the change of keys and locks, the robbery of money and the same are in houses, terrace, garage ...
4. Accident insurance for employees. This is the coverage of compensation, medical expenses ... that result from an accident that may be suffered by employees working in the same building or community of neighbors. It covers therefore the custodians or personnel of cleaning and maintenance.
5. Liability insurance. In this case are the damages that correspond to neighbors to third parties for any damage that can be provided by the building itself. An example is in times of rains and winds the typical detachments of parts of the building and that damage a passerby.
6. Machinery insurance. It is one of those that most relieve the neighborhood community because it covers the expensive repairs of machines like the elevator.It should also be noted that insurance for neighborhood communities, spares disputes and friction between neighbors, and is a tranquility for owners and renters in general.