It is the whole or part of a building of residence. It consists of foundations, walls, roofs or ceilings; as well as fixed installations (such as heating, air-conditioning, water, electricity and gas); telephone and sanitary installations; TV aerials/satellite dishes; solar panels; the value of flooring, ceiling or wall surfaces (eg, parquet flooring, wallpaper, paint, wood or plaster decoration); security installations; and, in general, everything that forms part of the dwelling (eg, fences, walls and other means used to enclose the building), as well as swimming pools, tennis courts and adjacent buildings, provided that the latter are within the enclosure where the main dwelling stands.
A dwelling will also be understood to include storage rooms, garage spaces and, in general, any areas that are in same building where your property stands and are for your private and exclusive use, even if they are not an integral part of the same space of your dwelling.
If you are a co-owner, the insurance cover includes your share of the undivided property in addition to the separate portion of your property.
If you have a mortgage loan, the value of the structure will be that indicated in the appraisal as the insurance value. Otherwise, the reconstruction value of the building and its installations must be indicated.