Houses in Spain Home uninsured are more than 11 million
While in other countries, France and Switzerland, home insurance is mandatory, that only happens in Spain, this may be one of the reasons that 43% of households being uninsured. In the U.S., is not mandatory but there is a greater disaster consciousness and only 6% of households are not insured, other examples are Australia (15%) or the United Kingdom (26%).
That if you say that is not so much the price as compared to the auto policy is not that expensive home insurance, the average price of home insurance is 214 € compared to € 434 for car insurance.
There are a total of home insurance policies 14.8 million when the amount reaches 25.8 million homes in Spain.
Data Breakdown by Province:
The provincial total about 12 of them are exceeding the national average in terms of housing and insurance, of the 12, only 4 four provinces-Vizcaya, Guipúzcoa, Álava recorded Madrid and more than 85% of insured homes. As Vizcaya ranks as the only province that there is an unparalleled event in addition to all homes have home insurance, 8 of every 100 homes are insured for up to two home insurance.
However, on the other side are Teruel Avila as their level of insurance is very low, and that 7 out of 10 households have no home insurance. On the other hand, 4 of the 10 provinces recorded a lower number of households with insurance are: Cáceres, Guadalajara, Toledo and Malaga, not coincidentally are among the top 10 provinces recorded more sinister.
When justify such disregard are the price and age of housing and that more years younger and less will ensure value. It should also be the percentage of first homes, the unemployment rate as in provinces that have high unemployment rates in turn have an average rate of uninsured home to more than 50%. Another aspect to consider are the provinces with a high percentage of vacant housing stock, an example is what throws the decennial census of the INE dating from 2005, which recorded more than 3.1 million homes are empty and of course without owners and without home insurance.
Incidence in the Home:
About 15% of homes in Spain goes through to domestic problems throughout the year. Of the 50 provinces, Lleida (to 7.1%), Soria (7.3%) and Huesca (7.7%) are the provinces that recorded fewer accidents in the home, while Caceres (20.5%) , Sevilla (20%) and Cadiz (19.9%) are the most rugged.
The average compensation of claims is 384 euros, and in 28 of the 50 Spanish provinces the cost is below that figure, being Badajoz (224 euros) and Avila (259 euros) the cheapest. On the other side of the table are Castellón and Navarre, doubling and even tripling this figure, with 921 and 1,263 euros, respectivamente.Del report also draws December is the month where more damage to home (in a 10.5% of cases), followed by November (9.7%) and January (9.6%). By contrast, April and May are the months with less domestic accidents, with 6.3% and 6.9% respectively. The most common accident in Spain is to forget to close the tap or leaking it and tear, accidents, accounting for 20.4% of the cases studied, followed by damage from lightning, wind and hail (17%) and broken doors, windows and mirrors (14%). The thefts and fires are less frequent losses at 5.4% and 1.8% respectively.