Home insurance in Andorra
Buildings, contents and liability for flats, houses and mountain bordas.
A water leak, a burst pipe in a frost or a kitchen fire can cost thousands. Home insurance protects the property, what’s inside and your liability towards neighbours.
In Andorra, rental contracts often require tenants to hold insurance with liability cover, and landlords need a policy designed for renting out.
What it covers
- Buildings: structure and fixed installations
- Contents: furniture, appliances, belongings
- Liability towards third parties and neighbours
- Water, fire, storm and snow damage
- 24/7 home assistance
What drives the price
- Owner, landlord or tenant
- Size, type and age of the property
- Buildings and contents sums insured
- Location and altitude
- Optional extras: jewellery, pets, second home
If you rent, check your contract: it often requires home insurance with liability cover from day one.
FAQ
What is the difference between buildings and contents?
Buildings is the structure and fixed installations; contents are your belongings. Tenants usually insure contents and liability; owners insure the building.
Can I insure a borda or mountain house?
Yes. For isolated or high-altitude homes, snow, frost and access cover matter, and we take that into account.
Related guides (in Spanish)
Seguro de hogar para inquilinos en Andorra: qué necesitas y por qué
Si vives de alquiler en Andorra, esto es lo que suele pedir el contrato, qué cubre un seguro de inquilino y cuánto capital asegurar.
HogarContinente y contenido: la diferencia que decide cuánto te paga el seguro de hogar
Qué entra en el continente y qué en el contenido, ejemplos dudosos y cómo evitar quedarte corto al asegurar tu vivienda.
HogarSeguro para propietarios que alquilan en Andorra: lo que tu póliza normal no cubre
Si alquilas tu piso en Andorra, revisa estas coberturas: continente, mobiliario, responsabilidad civil como arrendador e impagos.
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