• Year of construction: Allianz offers a very competitive rate for risks
of buildings up to 15 years old.
• Year of refurbishment: if the community of property owners wishes to
insure reforms made to the water facilities, the premium calculation will
be based on the year when the improvements are made.
• Number of floors above street level.
• Adjoining installations, such as swimming pools and recreational areas:
by including this variable, only the communities with these installations
have to pay for this coverage.
• Owners / Tenants list: to show the percentages of owners and tenants.
Allianz Comunidad
Allianz Comunidad is amulti-risk insurance policy that is specifically
designed to protect against themajority of building risks.
The set of guarantees and benefits offered by Allianz Comunidad responds
to themajority of coverage needs for apartment buildings and single-family
homes, whether they are semi-detached or properties with commercial activity.
• Basic coverage
A) Building.
Fire, theft, third-party liability – except due to water incidents – vandalism
B) Assistance (included in all policies).
C) Legal services and advice.
• Optional coverage
D y E) Water incidents and third-party liability derived from them
(communal or communal and private).
F) Glass breakage (communal or communal and private).
G) Machinery breakage and electronic equipment breakdowns.
H) Claim for non-payment of community fees.
Insurable assets:
Allianz Comunidad guarantees are developed based on the complete assets that
make up the building to be insured and are structured in the following sections:
a) The foundations, structure, walls, ceilings, floors, coverings, doors,
windows and other construction elements, including windows, in:
• The building.
• Outbuildings, such as garages, parking spaces,
storage rooms and similar located on the same property.
b) The walls and other independent enclosures.
c) The pipes, installations, machinery and fixed apparatus of the services
integrated into the building, such as water, gas, electricity, heating,
refrigeration, solar energy, drainage, telephone, alarms, radio, television
and other communications.
d) Lifts and service lifts.
e) Swimming pools and other recreational and/or sport
installations (provided that they are declared in the policy).
f) Fixed decorative elements that are an integral part of the
buildings, such as paint, parquet, carpeting, wallpaper and built-in wardrobes.
g) Communal furniture, as well as the tools, equipment and appliances for use by
the community.
