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Your insurance in 3 simple steps
Get your final price in record time, no calls or unnecessary paperwork.
Your building details
Enter your building's characteristics: location, size, number of units. Quick and simple.
Choose your coverage
Compare community insurance plans from the best insurers and select the one that fits you.
Instant price
Receive your final price instantly and sign up with one click if it suits you.
Everything you need to know about community insurance
Keys to choosing the right protection for your building and its residents.
Community insurance (also known as homeowners association insurance) protects the common areas and structure of a residential building. It covers damage to communal facilities, civil liability for accidents in shared spaces, and construction defects, ensuring that all owners are protected against unexpected costs.
When choosing community insurance, consider the building's age, construction materials, number of floors and units, common amenities (pool, garden, garage), and the replacement value of the structure. A comprehensive policy should cover structural damage, water leaks between units, civil liability, and building maintenance assistance.
Structural coverage
Protection for the building's structure, facades, roof and foundations against fire, storm and other risks.
Civil liability
Coverage for accidents occurring in common areas that affect residents, visitors or third parties.
Water damage
One of the most common claims. Good insurance covers leaks between units and damage to communal pipes.
Common amenities
Protection for shared facilities like pools, gardens, lifts, parking areas and playgrounds.
Coverage designed for your community
Complete protection for buildings and residential communities.
Guide to choosing your community insurance
Practical tips to select the best protection for your building.
Know your building's value
Calculate the reconstruction cost, not the market value. This determines the insured capital you need.
List all common assets
Include pools, lifts, gardens, parking, playgrounds and any shared installations in your inventory.
Check water damage coverage
Water leaks are the most frequent claim in communities. Make sure inter-unit damage is well covered.
Review civil liability limits
Ensure the civil liability limit is adequate for your building size. Accidents in common areas can be costly.
Consider building age
Older buildings may need coverage for electrical issues, plumbing and structural maintenance.
Include maintenance services
Plans with 24/7 emergency plumber, electrician and locksmith services save time and money for the community.
Why get your community insurance with us?
Benefits designed for building administrators and owners.
Real price instantly
No estimates, no asterisks. See your final price in seconds and sign up whenever you want.
No mandatory calls
100% online process. You decide when, how, and from where.
Complete mobile app
Manage your insurance from your phone: policies, claims, direct contact with your advisor.
Best price guaranteed
We compare the best insurers to always offer you the most competitive market price.
Plan comparison
All coverage detailed so you can choose clearly.
| Coverage included | Essential | Complete | Premium |
|---|---|---|---|
| Fire and explosion | |||
| Water damage | |||
| Theft and vandalism | |||
| Electrical damage | |||
| Construction defects | |||
| Legal defense | |||
| 24/7 maintenance | |||
| Temporary accommodation |
Essential
Complete
Premium
What our clients say
Real stories from community administrators who trusted us.
“We had a major water leak affecting three apartments. The insurance handled everything perfectly and the residents were delighted with the fast response.”
Fernando L.
Community president, Las Palmas
“As a professional administrator, I manage dozens of communities. Torino offers the best coverage at the best price, and the online management saves me hours of work.”
Marta S.
Building administrator, Tenerife
“Switching to Torino saved our community almost 30% on insurance. The coverage is better and the 24/7 maintenance service has been incredibly useful.”
Carlos N.
Community president, Gran Canaria
Frequently asked questions about community insurance
Have more questions? Contact us and we'll help