Insurance for communities and homes.

Securme, the Grupo Mediterráneo insurance broker. Terms negotiated at scale, specialised coverage, claims with a single contact.

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01 · Negotiation at scale

Your policies negotiated as if they were 10,000.

The Group’s aggregate volume lets us negotiate premiums and coverage with all top-tier insurers. Your community gets terms it wouldn’t obtain individually.

02 · Specialised coverage

Policies designed for real communities.

Decades of insuring buildings taught us which exclusions hide dangerous small print. Securme negotiates them away before you sign.

03 · Integrated handling

A single contact in every claim.

You open the incident in the app or by phone. A dedicated manager coordinates the insurer, surveyor and repair provider. You just sign the settlement.

Coverage

What every building, every home needs.

Modular policies for communities, individual owners and large property holders, with terms negotiated by Securme.

Community insurance

Building: structure, roofs, installations
Comprehensive liability
Water, fire and electrical damage
Vandalism and theft
Legal defence
24/7 emergency assistance

Home insurance · individual owners

Contents and appliances
Family liability
24/7 home assistance
Legal protection
Cosmetic damage and alterations
Guaranteed rents and income

Specialist policies

Ten-year insurance for works
Director liability
Community vehicle and gardening fleets
Pool and common area liability
Lifts and mechanical equipment
Non-payment of community fees

How we work

From study to ongoing support.

Study

We analyse your current policy or the building’s real needs. We identify exclusions and missing coverage.

Comparison

Three top-tier insurers, proposal at Securme terms. Clear and defensible comparison table for your meeting.

Policy

Subscription, coverage active the next day, previous policy cancellation coordinated by us.

Ongoing support

Claims handled by Securme. Renewals negotiated. Legal changes absorbed in your policy without you needing to track them.

15–30%

Average savings negotiated when switching policy

24/7

Assistance and claims every day of the year

DGS

Insurance broker registered with Financial Authority

Single contact in every claim

Who it’s for

Three profiles, same treatment.

Residential community

Compulsory coverage, well negotiated.

From 8-home buildings to 800-home estates. The same study, the same negotiation, the same support.

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Individual owner

Home, life, liability.

If your community already works with Securme, you have access to individual terms with the same manager you know.

Home study

Large property owners

Portfolios, ten-year, director cover.

Master policies for funds and socimis with consolidated reporting, centralised claims and audited annual renewals.

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Client case

Premium dropped 22% and coverage went up. On the first major claim we realised the other difference: nobody asked us to coordinate anything.

President · 72-home community · ValenciaSecurme client since 2024.

Frequently asked questions

What people ask most about insurance.

Coverage, obligations, claims. If your question is not here, write to us.

Ask another question

Is community insurance compulsory?

Yes. The Spanish Horizontal Property Act requires insurance covering at least liability and building damage. Some regions (such as Valencia) have additional requirements. Securme ensures exact legal compliance for each territory.

What minimum coverage does Securme recommend?

Building damage (water, fire, electrical), liability with sum insured appropriate to building size, 24/7 assistance, legal defence and vandalism damage. Recommended optional: ten-year insurance, director cover and specific pool or lift coverage.

How much can I save by switching to Securme?

Average savings range between 15% and 30% of annual premium, maintaining or improving coverage. Depends on contract age and aggregate volume negotiated by the Group. After the study we tell you with numbers — if there’s no saving, we don’t ask you to switch.

How are claims handled by Securme?

Open via app, web or 24/7 phone. A dedicated manager coordinates with the insurer, surveyor and repair provider. You just sign the settlement. No triangular coordination or dead time.

Can I get Securme insurance if my community is not a Mediterráneo client?

Yes. Securme operates as an independent broker and insures communities managed by third parties, individual owners and large property holders. Terms negotiated by the Group are available equally.

The platform

Next step

Request a comparison for your building.

No commitment. We send you a comparison table with three insurers and Securme’s proposal for you to present at your meeting.

Request comparison Call a manager