Households suffer millions of accidents each year that require insurance assistance. According to data from the Unespa employers’ association, In 2019, almost 8.7 million problems were recorded in homes and neighborhood communities. Specifically, 7.4 million incidents occurred in individual homes and 1.27 million in communities of owners.
On average, the insurance sector solves every hour 1,004 problems that occur in homes and communities of owners in Spain.
The most common of all is related to water damage and is the appearance of leaks, which accounted for more than a third of the mishaps in that year, with 3,297 million. The next most frequent claims that appear on the list are that of glass damage, with 1.23 million ads; the assistance services, with 1.04 million; and the electrical damage, with more than 753,500 parts. In the case of robberies, the study counts the number of mishaps at more than 384,000, the vast majority of which affected individual dwellings (more than 357,000), representing 4.4% of total incidents.
Municipalities with more and less probability of being robbed
Although Unespa has not yet presented the data for all of 2020, it does have estimates for part of the year of the pandemic. And it states that more than 78,000 robbery-related mishaps occurred between August 1, 2019 and July 31, 2020, weighed down by the decline in incidents during the first state of alarm.
By communities, the insurance employer affirms that Catalonia is the region most likely to suffer a robbery at home (58% more than in Spain as a whole), followed by Murcia (46%) and Comunidad Valenciana (11%); that is to say, on the Mediterranean coast, where a good part of the second residences is concentrated.
Instead, in Andalusia, Madrid or the Balearic Islands the probability is lower to the national average, while Galicia, Asturias, the Canary Islands and the autonomous cities of Ceuta and Melilla are the areas of the country with the least probability of suffering this type of mishap.
At the municipal level, and taking as a reference the towns with more than 75,000 inhabitants, Girona and San Cugat del Vallés (Barcelona) are the only ones where the probability of theft in a home is more than double the national average (exceeds 140%). These are the 50 municipalities with the highest probability of theft in homes in Spain, according to Unespa:
- Girona
- San Cugat del Vallés (Barcelona)
- Barcelona
- Mataró (Barcelona)
- Reus (Tarragona)
- Badalona (Barcelona)
- Santa Coloma de Gramenet (Barcelona)
- Murcia
- Rubí (Barcelona)
- Torrevieja (Alicante)
- Tarragona
- Cornellà de Llobregat (Barcelona)
- Lleida
- L’Hospitalet de Llobregat (Barcelona)
- Mijas (Malaga)
- Tarrasa (Barcelona)
- Baracaldo (Biscay)
- Torrent (Valencia)
- Las Rozas (Madrid)
- Chiclana de la Frontera (Cádiz)
- Orihuela (Alicante)
- Alcalá de Guadaira (Seville)
- Sabadell (Barcelona)
- Marbella (Malaga)
- Bilbao
- Cartagena (Murcia)
- Manresa (Barcelona)
- Coslada (Madrid)
- Getxo (Biscay)
- El Ejido (Almería)
- Sant Boi de Llobregat (Barcelona)
- Parla (Madrid)
- Pozuelo de Alarcón (Madrid)
- Elche (Alicante)
- Alicante
- Valencia
- Dos Hermanas (Seville)
- Roquetas de Mar (Almería)
- Rivas-Vaciamadrid (Madrid)
- Lorca (Murcia)
- Sevilla
- Fuenlabrada (Madrid)
- Castellón de la Plana
- Velez-Malaga (Malaga)
- Fuengirola (Malaga)
- Saint Sebastian
- Madrid
- Huelva
- Guadalajara
- Jaén
Instead, the 10 safest municipalities with more than 75,000 inhabitants son:
- Cádiz
- Oviedo (Asturias)
- San Cristóbal de La Laguna (Santa Cruz de Tenerife)
- Santiago de Compostela (A Coruña)
- Santa Cruz of Tenerife
- Lugo
- Gijón (Asturias)
- Ourense
- The Gran Canarian palms
- Ceuta
The biggest mishaps
Among the robberies, the Unespa study also reveals which have been the municipalities in Spain with more than 75,000 inhabitants that have suffered the robberies in more expensive homes. The Madrid town of Pozuelo de Alarcón leads the ranking with an average amount of 2,602 euros; followed by Marbella (Malaga), with 2,504 euros on average. Alcobendas (Madrid) is the third municipality with the most expensive incidents in homes related to robberies, with 2,333 euros, and the fourth in Sant Cugat del Vallés (Barcelona), with 2,258 euros.
On the other side of the table are three towns in Madrid, Alcorcón, Leganés, Parla, with averages of between 593 and 416 euros, respectively; and the city of Cádiz, with an average damage of 322 euros in homes that suffered theft in 2019.
The most common mishaps in homes
The study also compares the most common incidents in homes and communities of owners during 2019. And these are the ones that it accounted for in each case:
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