{"id":3044,"date":"2020-09-15T08:56:05","date_gmt":"2020-09-15T08:56:05","guid":{"rendered":"https:\/\/www.pbfseguros.com\/?p=3044"},"modified":"2020-10-09T07:57:34","modified_gmt":"2020-10-09T07:57:34","slug":"does-your-home-insurance-cover-the-holiday-rental","status":"publish","type":"post","link":"https:\/\/www.pbfseguros.com\/en\/blog-en\/does-your-home-insurance-cover-the-holiday-rental\/","title":{"rendered":"Does your Home Insurance cover the Holiday Rental?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.4.8&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.4.8&#8243; custom_margin_tablet=&#8221;||||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.4.8&#8243;][et_pb_post_title comments=&#8221;off&#8221; _builder_version=&#8221;4.4.8&#8243; title_font=&#8221;|600|||||||&#8221; title_font_size=&#8221;28px&#8221; title_line_height=&#8221;1.2em&#8221; meta_font_size=&#8221;13px&#8221; custom_margin=&#8221;||40px||false|false&#8221; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;22px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; meta_font_size_tablet=&#8221;&#8221; meta_font_size_phone=&#8221;12px&#8221; meta_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.5.3&#8243; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#95b344&#8243; header_3_font_size=&#8221;26px&#8221; header_3_line_height=&#8221;1.2em&#8221; custom_margin=&#8221;20px||15px||false|true&#8221; header_3_font_size_tablet=&#8221;&#8221; header_3_font_size_phone=&#8221;22px&#8221; header_3_font_size_last_edited=&#8221;on|desktop&#8221;]<\/p>\n<h3>Do you have everything in order, do you comply with all the regulations?<\/h3>\n<p>[\/et_pb_text][et_pb_text ul_type=&#8221;circle&#8221; _builder_version=&#8221;4.5.3&#8243; header_text_color=&#8221;#99cc33&#8243; header_3_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#99cc33&#8243; header_3_font_size=&#8221;26px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<p>In case you decide to rent out your property as a holiday rental, it is important to know that you must comply with some legal and tax rules as well as ensure that your home insurance covers the use of holiday rentals.<\/p>\n<ul>\n<li><strong><strong><\/strong>Register your property with the regional tourism authority:<\/strong> The first thing will be to obtain the holiday rental license from the local authorities of the island where the property is located. Once you have obtained the license, you can place your VV sign outside your property to show that you fulfil all requirements.<\/li>\n<li><strong><strong><\/strong>Submit tax statements:<\/strong> property owners in Spain are obliged to pay taxes regardless of whether they are or aren\u00b4t residents for tax purposes in Spain. On the one hand, you will have to register IGIC (Canary Islands) at the canary tax authority and the revenue and expense must be declared in the annual IRPF statement.<\/li>\n<li><strong>Registration of holiday-makers with the local Spanish police:<\/strong> There is an obligation to register each traveller who is staying in your holiday home with the local police. To facilitate this communication there are Apps available from where you can process this procedure.<\/li>\n<\/ul>\n<p>In addition, to ensure that your rentals are 100% legal, we recommend you to contact a specialized consultant, such as LAJARES LAW OFFICES (<a href=\"https:\/\/lajareslawoffices.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">www.lajareslawoffices.com<\/a>).<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.8&#8243; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#95b344&#8243; header_3_font_size=&#8221;26px&#8221; header_3_line_height=&#8221;1.2em&#8221; custom_margin=&#8221;20px||15px||false|true&#8221; header_3_font_size_tablet=&#8221;&#8221; header_3_font_size_phone=&#8221;22px&#8221; header_3_font_size_last_edited=&#8221;on|desktop&#8221;]<\/p>\n<h3>And DON&#8217;T forget your Holiday Home Insurance<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.8&#8243; header_text_color=&#8221;#99cc33&#8243; header_3_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#99cc33&#8243; header_3_font_size=&#8221;26px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<p>If you are the owner of one or more properties designated as holiday rental, you must ensure that your insurance covers this specific use of your property and that in case of a claim for damages suffered by tenants, the insurance covers civil liability to protect the owner.<\/p>\n<p>Many insurers have already adapted their home insurance and have included this use as one of the options, but beware there are other areas that are also important such as customer property theft and vandalism.<\/p>\n<p>We could also tell you more about the insurance of civil liability especially designed for enterprises dedicated to exploiting and managing holiday housing, also of a travel assistance insurance for tenants, but this would be explained in another article in this Blog.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.5.3&#8243; header_text_color=&#8221;#99cc33&#8243; header_3_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#99cc33&#8243; header_3_font_size=&#8221;26px&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#ffffff&#8221; header_4_font_size=&#8221;20px&#8221; header_4_line_height=&#8221;1.2em&#8221; background_color=&#8221;#95b344&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_margin=&#8221;30px||||false|false&#8221; custom_padding=&#8221;15px|25px|8px|25px|false|true&#8221; header_4_font_size_tablet=&#8221;&#8221; header_4_font_size_phone=&#8221;16px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; locked=&#8221;off&#8221;]<\/p>\n<h4>You don&#8217;t have to pay more to have an individual home insurance tailored for your holiday rentals, get in touch without commitment and we will check it out<\/h4>\n<p>[\/et_pb_text][et_pb_text disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.6.5&#8243; header_3_font=&#8221;||||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_font_size=&#8221;32px&#8221; header_4_font=&#8221;||||||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_font_size=&#8221;20px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;50px||0px||false|false&#8221; locked=&#8221;off&#8221;]<\/p>\n<h4>If you liked it, share!<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.5&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;0px||50px||false|false&#8221; custom_margin_tablet=&#8221;&#8221; 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url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.4.9&#8243; width_tablet=&#8221;&#8221; width_phone=&#8221;200px&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;||5px||false|false&#8221;][\/et_pb_image][et_pb_image src=&#8221;https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logo-mediadores-de-seguros-colegiados-pbf-seguros.jpg&#8221; alt=&#8221;Mediador de seguros colegiado | PBF seguros&#8221; title_text=&#8221;Mediador de seguros colegiado | PBF seguros&#8221; url=&#8221;http:\/\/www.mediaseguros.es\/&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.4.9&#8243; width_tablet=&#8221;&#8221; width_phone=&#8221;60px&#8221; width_last_edited=&#8221;on|phone&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In case you decide to rent out your property as a holiday rental, it is important to know that you must comply with some legal and tax rules as well as ensure that your home insurance covers the use of holiday rentals.<\/p>\n","protected":false},"author":1,"featured_media":2689,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>[et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.4.8\" custom_margin_tablet=\"\" custom_margin_phone=\"||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding_tablet=\"||0px||false|false\" custom_padding_phone=\"||0px||false|false\"][et_pb_row column_structure=\"2_3,1_3\" use_custom_gutter=\"on\" gutter_width=\"2\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" custom_margin_tablet=\"||||false|false\" custom_margin_phone=\"||0px||false|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"||||false|false\" custom_padding_tablet=\"||0px||false|false\" custom_padding_phone=\"\"][et_pb_column type=\"2_3\" _builder_version=\"4.4.8\"][et_pb_post_title comments=\"off\" _builder_version=\"4.4.8\" title_font=\"|600|||||||\" title_font_size=\"28px\" title_line_height=\"1.2em\" meta_font_size=\"13px\" custom_margin=\"||40px||false|false\" title_font_size_tablet=\"\" title_font_size_phone=\"22px\" title_font_size_last_edited=\"on|phone\" meta_font_size_tablet=\"\" meta_font_size_phone=\"12px\" meta_font_size_last_edited=\"on|phone\" locked=\"off\"][\/et_pb_post_title][et_pb_text _builder_version=\"4.5.3\" header_3_text_align=\"center\" header_3_text_color=\"#95b344\" header_3_font_size=\"26px\" header_3_line_height=\"1.2em\" custom_margin=\"20px||15px||false|true\" header_3_font_size_tablet=\"\" header_3_font_size_phone=\"22px\" header_3_font_size_last_edited=\"on|desktop\"]<\/p><h3>\u00bfTienes todo Correcto, Cumples todas las Normativas?<\/h3><p>[\/et_pb_text][et_pb_text ul_type=\"circle\" _builder_version=\"4.5.3\" header_text_color=\"#99cc33\" header_3_font=\"|600|||||||\" header_3_text_align=\"center\" header_3_text_color=\"#99cc33\" header_3_font_size=\"26px\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" text_orientation=\"justified\" custom_margin=\"0px||0px||false|false\"]<\/p><p>En caso de que decida alquilar su propiedad como Alquiler Vacacional, es importante saber que debe cumplir algunas reglas legales y fiscales as\u00ed como asegurarte de que tu Seguro de Hogar cubre el Uso de Alquiler Vacacional.<\/p><ul><li><strong>Registrar su propiedad en la Autoridad Regional de Turismo<\/strong>: Lo primero de todo ser\u00e1 obtener la Licencia de Alquiler Vacacional del Cabildo de la Isla d\u00f3nde se encuentre dicha propiedad. Una vez conseguida dicha licencia podr\u00e1s colocar tu cartel de VV en tu propiedad para acreditar que cumples con dicho requisito.<\/li><li><strong>Presentar declaraciones de Impuestos<\/strong>: Los propietarios de propiedades de alquiler en Espa\u00f1a est\u00e1n obligados a pagar impuestos independientemente de si son o no residentes a efectos fiscales en Espa\u00f1a. Por un lado hay que darse de alta en el IGIC (Canarias) en la Agencia Tributaria Canaria y declarar los Ingresos y Gastos, en la Declaraci\u00f3n anual del IRPF.<\/li><li><strong>Registro de hu\u00e9spedes de vacaciones con la polic\u00eda local espa\u00f1ola<\/strong>: Existe la obligaci\u00f3n de comunicar a la polic\u00eda local el registro de cada viajero que se hospeda en nuestra vivienda vacacional. 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header_3_font_size=\"26px\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" text_orientation=\"justified\" custom_margin=\"0px||0px||false|false\"]<\/p><p>Si eres propietario de una o varias propiedades destinadas al Alquiler vacacional debes asegurarte que tu seguro cubra este uso que das a tus propiedades y que en caso de una reclamaci\u00f3n por da\u00f1os sufridos por los inquilinos dicho seguro tenga cobertura de Responsabilidad Civil que proteja al Propietario.<\/p><p>Ya muchas aseguradoras han adaptado sus seguros de hogar y han incluido este uso como una de las opciones, pero cuidado hay otras coberturas que tambi\u00e9n son importantes como el Robo de Bienes de los clientes y el Vandalismo.<\/p><p>Tambi\u00e9n podr\u00edamos hablar del Seguro de Responsabilidad Civil para Empresas dedicadas a la Explotaci\u00f3n y Gesti\u00f3n de Viviendas Vacacionales incluso de un Seguro de Asistencia en Viaje para los Inquilinos pero esto 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button_two_letter_spacing__hover_enabled=\"off\" button_bg_color__hover_enabled=\"off\" button_one_bg_color__hover_enabled=\"off\" button_two_bg_color__hover_enabled=\"off\"][\/et_pb_contact_field][et_pb_contact_field field_id=\"oficinas\" field_title=\"Elige oficina\" field_type=\"select\" select_options=\"%91{%22value%22:%22Gran Canaria%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%22Tenerife%22,%22checked%22:0,%22dragID%22:0},{%22value%22:%22Fuerteventura%22,%22checked%22:0,%22dragID%22:1},{%22value%22:%22La Palma%22,%22checked%22:0,%22dragID%22:2}%93\" required_mark=\"off\" _builder_version=\"4.4.8\"][\/et_pb_contact_field][et_pb_contact_field field_id=\"idioma\" field_title=\"Elige idioma\" field_type=\"select\" select_options=\"%91{%22value%22:%22Espa\u00f1ol%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%22Ingl\u00e9s%22,%22checked%22:0,%22dragID%22:0},{%22value%22:%22Italiano%22,%22checked%22:0,%22dragID%22:1},{%22value%22:%22Alem\u00e1n%22,%22checked%22:0,%22dragID%22:2},{%22value%22:%22Franc\u00e9s%22,%22checked%22:0,%22dragID%22:3}%93\" required_mark=\"off\" _builder_version=\"4.4.8\"][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][et_pb_column type=\"2_5\" _builder_version=\"4.4.8\" border_width_left=\"3px\" border_color_left=\"#ffffff\" border_width_left_tablet=\"0px\" border_width_left_phone=\"\" border_width_left_last_edited=\"on|phone\"][et_pb_text _builder_version=\"4.4.8\" text_font_size=\"18px\" header_3_font=\"|700|||||||\" header_3_text_color=\"#ffffff\" header_3_font_size=\"33px\" width_tablet=\"75%\" width_phone=\"90%\" width_last_edited=\"on|tablet\" module_alignment=\"center\" custom_padding=\"15px||15px|40px|true|false\" custom_padding_tablet=\"|||0px|true|false\" custom_padding_phone=\"\" custom_padding_last_edited=\"on|phone\" text_font_size_tablet=\"\" text_font_size_phone=\"\" text_font_size_last_edited=\"on|phone\" header_3_text_align_tablet=\"center\" header_3_text_align_phone=\"center\" header_3_text_align_last_edited=\"on|phone\" text_orientation_tablet=\"center\" text_orientation_phone=\"\" text_orientation_last_edited=\"on|phone\" border_color_left=\"#ffffff\"]<\/p><h3>\u00a1Te llamamos GRATUITAMENTE!<\/h3><p>Te atendemos en tu idioma:<br \/><strong>Espa\u00f1ol, Ingl\u00e9s, Italiano, Alem\u00e1n y Franc\u00e9s. <\/strong>Desde la oficina que prefieras.<\/p><p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" custom_padding=\"120px|||||\" custom_padding_tablet=\"60px||||false|false\" custom_padding_phone=\"0px||0px||false|false\" global_module=\"256\" saved_tabs=\"all\"][et_pb_row column_structure=\"1_3,1_3,1_3\" _builder_version=\"4.4.9\" width=\"100%\" max_width=\"100%\" module_alignment=\"center\" custom_margin=\"40px||80px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"||40px||false|false\" custom_margin_last_edited=\"on|phone\"][et_pb_column type=\"1_3\" _builder_version=\"4.4.9\" custom_padding=\"3%||||false|false\" custom_padding_tablet=\"0%||||false|false\" custom_padding_phone=\"0px||||false|false\" custom_padding_last_edited=\"on|phone\" custom_css_main_element_last_edited=\"on|tablet\" custom_css_main_element_phone=\"||\"][et_pb_text disabled_on=\"off|off|off\" _builder_version=\"4.4.9\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_font_size=\"32px\" header_4_font=\"|700|||||||\" header_4_text_align=\"center\" header_4_font_size=\"20px\" module_alignment=\"center\" custom_margin=\"||6px||false|false\"]<\/p><h4>!S\u00edguenos!<\/h4><p>[\/et_pb_text][et_pb_social_media_follow use_icon_font_size=\"on\" 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