Al poseer una vivienda en un edificio, el propietario adquiere una serie de derechos y obligaciones. Como copropietarios de todos los elementos comunes del edificio junto con el resto de comuneros o vecinos, tenemos la obligación de velar por el correcto mantenimiento del edificio.

Los elementos comunes de una comunidad están expuestos continuamente a eventualidades que pueden derivar en el perjuicio de algún propietario en particular con la consiguiente responsabilidad de los vecinos para responder de acuerdo a su cuota de participación en concepto de responsabilidad civil de la comunidad.

La legislación actual no recoge la obligatoriedad de las comunidades de suscribir un seguro para la comunidad que cubra este tipo de incidencias. En la Ley de Propiedad Horizontal siempre se hace referencia a este concepto como una opción voluntaria. Pero la experiencia demuestra que contratar un seguro para la comunidad es lo más recomendable.

La toma de la decisión en junta sólo precisa el acuerdo mayoritario de los comuneros y sus cuotas de participación.

En la actualidad las compañías aseguradoras ofrecen una gran variedad de productos, desde los denominados seguros multiriesgo, a ampliaciones de prestaciones y coberturas de todo tipo. Si bien es cierto que el concepto de Seguros de Comunidades de Propietarios presupone una serie de coberturas mínimas y generalizadas que van desde la cobertura por incendio hasta la responsabilidad civil o la defensa jurídica.

Comentar que algunos productos de seguros para comunidades llegan a ser tan completos que pueden facilitarnos la posibilidad de minimizar la cuota de nuestro seguro de hogar individual para completar algunas coberturas.



Axa Seguros

Catalana Occidente

Liberty Seguros

Mapfre Seguros

Seguros Mercurio

Mutua de Propietarios

Seguros Ocaso

Reale Seguros

Seguros Santa Lucía

Vitalicio Seguros

Winterthur Seguros

Zurich Seguros


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