What does structure mean in home insurance?

With this product, the term structure covers:

• Walls, ceilings, floors, doors and windows of the insured property and, if any, storage rooms, garages and parking spaces located in the same building as the property or attached to it.
• Fixed installations, which form part of the insured property and are for the exclusive use of the insured party for heating (including boilers, heaters, accumulators, radiators) and refrigeration or air conditioning; water, electricity and gas; sanitary ware, including baths, washbasins, fixed screens, sinks and the like, typically found in kitchens, bathrooms and laundry rooms; telephone lines and installations, devices or security elements.
• Fencing, gates, walls and any other enclosure construction that marks out the border between the insured property and pavements and roads, located on the plot of the insured single-family home.
• Permanent sports installations, swimming pools and recreation areas.
• Fixed radio and television antennae, as well as awnings, blinds, shutters and any other installed closure system, solar panels and streetlights.
• Decorative fittings (such as paintings, wallpaper, plaster, canvases, carpets and parquet flooring), provided that they are attached to the floors, ceilings and/or walls. However, bookcases and fixed facings made out of wood or non-construction materials, which have been put in place in the property on the original walls, will be treated as content for the purposes of this insurance policy.
• Trees, plants and other garden fixtures, if there are any.

For jointly owned property, the insurance policy covers the part corresponding to the insured party's ownership share, provided that no joint insurance has been taken out by the co-owners or if this joint insurance is insufficient.

When valuing the property, only the costs of reconstructing or restoring it with similar or equivalent materials when the same materials cannot be used will be taken into account, without taking into account the repercussions of the site and irrespective of the commercial value that it may have.

• Modifications made to the property in order to adapt it for use by disabled people are included.

The value of the structure must always be the cost of rebuilding the property and its facilities, even if there is a mortgage.