The insurance covers different types of benefits depending on where the incident happens. Here's how it works:
Legal Expenses: Covered Across the European Union (EU)
If you ever need legal assistance (like a lawyer) for an incident that’s covered by your policy, you’re protected anywhere in the EU
Example: You have a legal issue related to your home while traveling in Germany. Your policy will cover your legal defense costs there.
Personal Liability: Covered Across the European Union (EU)
Your policy includes personal liability coverage for accidental damage you cause to others (like a water leak damaging your neighbour’s flat), no matter where in the EU the incident happens.
However, there’s one important condition: Any legal claim must be processed in Spain. This means even if the incident happens in another EU country, any lawsuit or claim must be handled through the Spanish legal system.
All Other Coverages: Only Valid Within Spain
Everything else in your policy ,such as coverage for fire, theft, appliance breakdowns, or water damage, is only valid if the incident happens within Spain.
Example: Your apartment in Madrid suffers water damage: it’s covered. Your second home in France has a fire: it’s not covered.