So, being the sensible adults we are, it was time to think about insuring our cave house. The question was who to use and who would even provide cover ?
I mean it’s not like there’s a lot of companies out there advertising that they will insure your cave house !
The coverage seemed to be pretty comprehensive and the premium appeared reasonable. The policy cost was 203 Euros. This gave us 50,000 Euros of buildings cover and 20,000 Euros of contents cover.
Insuring our cave house – an outline of our policy cover:
Cover Breakdown and Insured Sums (in Euros)
Aesthetic damage to the building 1,000,00
Accidents suffered by domestic Not contracted
Water damage 100 %
Electrical damage 1.000,00
Glass 100 %
Public liability 150.000,00
Limit per victim 150.000,00
Theft and pillage 100 %
Damage suffered as a result of theft or attempted theft 3.000,00
Objects with a special value and collections 760,00
Cash stolen from a safe Not contracted
Cash stolen from a place other than a safe 150,00
Armed robbery or pillage away from home Not contracted
Legal defense 6.000,00
Rent protection Not contracted
General deductible With Out franchise
I am sure that many of you residing in Andalucia will have had more of an opportunity to shop around when looking to insure your cave house. Alternatively, some will have made choices based on insurance stories (both good and bad) that have been relayed by locals and fellow expats alike.
All suggestions and insurance related stories would be most welcome both by us and I am sure by anyone else who may be reading this entry.
So … Who are one foot in the cave ?
We (Danny and Josie) have spent the last 10 years living and working in the Caribbean. In 2015 we decided we wanted to move closer to family and friends so bought a cave house in the Granada region of Andalucia, Spain. We moved there full time in January 2017. Now we write about our experiences of cave living and how we are adapting to life in Spain.
We also have a Facebook page full of pictures, experiences and information that we have found useful along the way. If its your thing, you can also follow us on Instagram 🙂
5 words related to this blog entry …
Policy (insurance) – La Póliza
Building – El Edificio
Damage – El Daño
To Steal – Robar
Thief – El Ladrón