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In the same way that you would have your house and contents insured in the U.K. you must insure your second home abroad as well.
The insurance of all the common parts where there is a Community of Owners is the responsibility of the Owners’ Association and very often they will also cover the buildings as well. If the Owners Association does have arrangements to insure the property for you, then often it can be arranged at a reduced premium because of the number of people covered. However, it is not compulsory for you to insure your property through them and you can insure the premises yourself if you prefer to use a different company. Insuring your contents is also important and premiums for both property and contents are similar to those charged in the U.K. Also important in the case of complexes divided into apartments is Third Party cover to cover the eventuality, for example, of water from your apartment causing damage to adjoining properties. 
If you are unfortunate enough to have to make a claim due to criminal activity then it is important that you go to the local police station immediately and tell them the value of everything you have lost so that they can record it and issue a certificate. Your insurance company will require the certificate from the police before settling the claim.
Very often people enter into a contract to purchase a property in construction with stage payments, intending to take out a mortgage to assist them. It is worth considering what the circumstances would be if the breadwinner were to die beforehand. Would the surviving spouse still be able to obtain a mortgage and proceed with the purchase if he or she wanted to? Also, if a purchase is completed with a mortgage on the property and the breadwinner was then to die, would the surviving spouse be able to maintain the mortgage repayments?
If it is perceived that financial problems could arise on the death of a purchaser then it would be sensible to consider taking out simple life assurance to cover this eventuality. It need not be expensive and can save a lot of problems and distress.
We can introduce you to suitable insurance brokers who can attend to your needs.
