We are the best option in homeowners' association insurance.
The simplest and most complete way to protect homeowners' associations or rental buildings. We offer your community the broadest coverage for any eventuality, with several contracting modalities according to your needs.
We work with the best insurance companies to provide you with the best service.
Our objective is to understand your needs in order to optimize and adapt to them the best coverage and guarantees.
We select for our customers the most innovative, updated and exclusive products.
In the study of the risk, in the contracting of the policy and in the processing of claims.
We put at your disposal our commercial, administration and claims departments, formed by professionals with a wide experience in the field.
On the other side there will always be someone to provide you with 100% personalized assistance and a solution to any incident.
How do we help neighborhood communities?
Are you an administrator? We have a partnership program for you!
Each property administrator has its own approach when it comes to providing professional services, both in terms of the size of the company and its own philosophy: from the self-employed who works as an independent professional and provides a very close and personalized service, to the administrations with a corporate structure, with specialized departments and staffs sized according to the number of communities administered and the services offered.
In all cases, community insurance can be a headache… or an opportunity, but it will always influence the image and the quality of service perceived by the community.
And whether the administrator gets involved in the management of the insurance or tries to stay out of it, the reality is that in the end he will have to suffer or enjoy the service that the company offers to its administered client.
At Instituto de Desarrollo Asegurador we want the community insurance to be a real opportunity to:
We offer a flexible, tailor-made collaboration agreement:
The experience, structure and volume of business of our brokerage firm provide us with the negotiation and dialogue capacity with insurance companies that allow us to offer our collaborators excellent products and services under the best conditions.
Do you want to be our partner? Contact us!
Questions I must answer to find out if my Community has the perfect insurance
Depending on the description of the building and its uses, the most appropriate guarantees and coverages will have to be selected. Some examples:
The coverages eligible for this election are usually: Water Damage, Water Damage Liability and Glass Breakage.
And this is an option that the community must decide: whether to assume and distribute among all the co-owners the risks that should be the isolated responsibility of each one or, on the contrary, it is preferable to have an insurance that exclusively covers the community risks, leaving each co-owner to assume his own risk. It does not seem fair that the community should have to manage and bear both premiums and claims for accidents for which it is not responsible. A careless neighbor who does not renovate, use or maintain his installations properly does not have to harm the rest of the co-owners or the community.
We generally recommend opting for the community guarantees in the community policy and that each co-owner takes out his own homeowner’s insurance.
Competition and modernization in insurance management have brought about a considerable drop in premiums and the incorporation of new guarantees and services that did not exist just a few years ago. It is convenient to keep an eye on the market and periodically check that the price we pay for our insurance is still competitive.
In the event of a claim, what is better: to have the company’s assistance or to have a different professional service provider intervene?
It is the same, whichever is more convenient for the community.
If the community or the administrator of the same one already has a maintenance company that knows the building and that has already demonstrated its efficiency in previous occasions, it would be the perfect candidate to continue solving the problems that arise. In this case the management of the insurance consists of valuing the damages and paying the corresponding indemnification, previous intervention of the expert if it is considered necessary by the characteristics of the loss or by its amount.
If the community prefers it, or needs it on an ad hoc basis, it is always possible to request the intervention of the repairers arranged by the company itself, who will solve the problem and pass the bill directly to the company, requesting the intervention of the expert if necessary.
It is very interesting to keep them, since the companies value the correct maintenance of the building at the time of establishing the premium of the insurance. A community with a certain age that has renovated the community or private pipes, replaced the roof or rehabilitated the façade and can prove it with the corresponding invoices will obtain better insurance conditions.
We ensure that there is a fair correspondence between the damages suffered and the compensation received by the community. We seek the greatest agility in the resolution of claims and represent the insured before the company always in defense of their rights. A team of experienced professionals, with negotiation skills and fluid relationship with the claims departments of the companies.
Find your nearest office and count on our support and advice to find the right solution for your needs.
Solutions For Businesses
Individuals' insurances
* In Madrid and Barcelona.
