Our home insurance policy covers fire-related damage, including damage caused by wildfires, as long as specific conditions are met.
What types of fire-related damage are included in the coverage?
The insurance covers damage caused by fire, explosion, smoke and lightning affecting your insured property.
What conditions apply for wildfire damage to be covered?
Wildfire damage is covered if all the following conditions are true:
You did not intentionally cause the fire.
The wildfire occurs within Spain, since coverage for property damage is limited to Spanish territory.
You report the wildfire damage and cooperate with us during the claims process as required.
How does coverage work during extreme or catastrophic wildfire events?
In severe wildfire events categorized as natural disasters, damage compensation may be handled by Spain's Insurance Compensation Consortium, which covers extraordinary risks. In such cases, compensation is still provided but may follow a different claims process.