This is the whole or part of the building used for your property, and 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, including the value of floor, ceiling or wall coverings, such as parquet flooring, wallpaper, paint, wood or plaster decoration, security installations and, in general, everything that forms part of the property, including 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 property stands
The property will also be taken to include storage rooms, garage spaces and in general those areas that although they do not form part of your main living quarters, are in same building where your property stands and are for your private and exclusive use.
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.