What is not covered?

Any indirect losses related to a covered event.

Theft, robbery, or misappropriation with violence that is not reported to the authorities.

Damages covered by the Spanish Insurance Compensation Consortium.

Damages caused by repair work, except for normal maintenance.

Damage due to normal wear and tear of the property or furniture.

Damages that occurred before the policy start date.

Damage to self-owned or third-party property related to a commercial or professional activity.