Structure and fixed parts
Walls, roof, facade, installations and fixed elements may fall under building cover.
Insurance orientation
Building cover depends on property type and local arrangements
BSP helps buyers identify which structure, building, owners association and local claim questions should be checked before relying on building cover.
Local insurers, brokers, legal advisers, tax specialists and property managers must confirm availability, requirements, exclusions, premiums, documents and practical execution.
Service blocks
Which building insurance themes matter?
Apartment or villa
Apartment buildings may have shared building insurance, while villas often need separate structure cover.
Fire, storm and water
Local risks, exclusions and maintenance duties should be reviewed carefully.
Vacancy and inspection
Long absence can affect requirements for checks, reporting and claim acceptance.
Renovation works
Works can change risk, responsibility and temporary cover requirements.
Documents and claims
Ownership documents, photos, maintenance records and local procedures may be required.
Control points
Control points for building insurance abroad
Is the structure insured separately or through the building?
Are roof, facade and fixed installations included?
Are fire, storm, water and earthquake risks addressed?
Are shared areas insured by the owners association?
Does vacancy affect cover?
Does rental affect cover?
Are renovation works excluded or limited?
Are maintenance duties listed in the policy?
What documents are needed for claims?
What deductible applies?
Who handles emergencies locally?
Are local rules and lender requirements clear?
Important
Insurance remains specialist work
BSP does not provide insurance advice, legal advice or tax advice. We help buyers identify insurance themes and involve local or specialist parties where appropriate.
Policy terms, local law, rental status, vacancy, renovation, liability, cover, premiums, acceptance and claim payment must always be assessed by an insurer or qualified specialist.
How BSP helps
How BSP helps structure the review
Step 1
Identify property type
Step 2
Map building and shared responsibilities
Step 3
List vacancy, rental and renovation questions
Step 4
Check documents and claim process
Step 5
Involve local insurance specialists
FAQ
Questions about insurance
Is building insurance the same as contents insurance?
No. Building insurance usually concerns the structure and fixed parts, while contents insurance concerns furniture, inventory and belongings.
Do apartments need separate building insurance?
Sometimes the building has shared insurance, but this must be checked locally with the association, seller, manager or insurer.
Does renovation affect building cover?
It can. Works, contractors and temporary risk can affect cover and exclusions. The insurer must review this.
Can BSP confirm whether cover is sufficient?
No. Only the insurer or qualified specialist can assess policy suitability and claim conditions.
Next step
Do you want to include insurance questions in your purchase planning?
Tell us the country, property type and intended use. We help map the insurance questions that need local attention.