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Condominium insurance ensures that you are protected against unforeseen events such as fires, floods or structural damage - avoiding high costs and legal problems.
If you're an administrator or condominium owner, you know that protecting the building is essential.
At CJ Seguros, we'll help you find the ideal insurance at the best price.
Condominium insurance is a policy that protects the common parts of a building, such as:
In many cases, it is compulsory by law, especially with regard to fire cover.
Yes - in Portugal, it is compulsory for each apartment block to have at least fire insurance.
However, the most common (and recommended) option is to take out comprehensive condominium insurance that covers the entire building, civil liability, water damage and natural phenomena.
By negotiating protection for the entire building in a single policy, the cost per fraction is significantly lower than if each neighbour took out individual insurance.
If there is a claim in the common areas, the administrator deals with just one insurer, avoiding the nightmare of managing dozens of companies.
Cover may vary, but usually includes:
At CJ Seguros, we analyse with you the best options for your building.
There is no fixed price - the value is customised to each building. The cost depends on:
At CJ Seguros, we cross-reference all these factors with the best companies to guarantee the ideal protection at the most competitive price.
To choose the right insurance, you need to
This is where CJ Seguros makes the difference - we take care of everything for you.
By choosing CJ Insurance, you get:
Comparison of various insurers
Personalised support
Solutions tailored to your condominium
Support in the event of a claim
Our aim is simple: to guarantee the best protection at the best price.
It replaces the “Walls” protection. If the building has Global Condominium Insurance, the structure of the entire building - including your flat - is already protected. In this case, you only need to take out individual insurance for the contents of your home (furniture, appliances and personal belongings).
The value of the insurance is paid for by the condominium and the cost is divided between all the owners, usually as part of the monthly dues, in proportion to the size (permillage) of each fraction.
Yes, as long as the Water Damage cover is activated and is not the result of a lack of building maintenance.
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