Home insurance in Spain for expats and foreign residents
Whether you own or rent, live here all year or only part of it, we arrange home insurance in Spain and explain it to you in English, before you sign and when you need to claim.
- Non-Spanish nationality
- Aged 18 or over
- Owner or tenant of the home
Start with how you use the home
The policy is set up for the real use of the property. Tell us which of these fits, and if it changes, tell us again.
Your main home
The home you live in most of the year, whether you own it or rent it.
A second home
A holiday home you use part of the year and that stays closed the rest of the time.
A long-term let
A property you rent to a tenant who lives in it on a long-term contract.
A holiday or short-term let
A property you rent to tourists or on short contracts.
Building and contents
A Spanish home policy insures two things, each for its own amount. The easiest way to tell them apart:
Imagine turning your home upside down.
- Building
- Whatever would stay in place: walls, floors, the roof, the fitted kitchen, doors and windows, and fixed installations for water, gas and electricity.
- Contents
- Whatever would fall: furniture, appliances, clothes, electronics and personal belongings.
Owners usually insure both. Tenants usually insure the contents and their liability, because the landlord insures the building. In a block of flats, the community policy covers the shared parts of the building, not the inside of your home.
What the policy can include
The policy we arrange is built from these covers. Some come as standard and others are chosen when you take it out.
- Home emergency assistance
- Liability as owner, tenant and in your private life
- Escape of water, leak detection and repair
- Electrical damage to installations and appliances
- Breakage of glass, worktops and sanitary fittings
- Theft and burglary
- Emergency locksmith and key replacement
- Garden and terrace furniture
- Illegal occupation of the home
- Handyman and DIY help, and IT assistance
- Pest control
Limits and options are set out in your policy schedule. We go through them with you before you sign.
If you rent your home out
Letting a property brings risks that a home you live in does not have. The policy can respond to them if the home is declared as a rental.
Your liability as owner
If a tenant, a guest or a neighbour suffers damage that comes from the property, the claim can be made against you as the owner.
Vandalism by the tenant
Damage to the building caused on purpose by the tenant, found once they have left. Keep proof of the condition of the home when the policy starts, such as dated photos or an inventory: you will need it to show the damage.
Illegal occupation
Legal help and cover for damage if someone occupies the home without your permission.
Worried about the rent itself? Rent default cover is available separately, subject to underwriting: see rent guarantee insurance.
How it works
- 1
Tell us about the home
Your nationality, where the property is, how you use it and whether you own or rent it.
- 2
We prepare your proposal
We set the building and contents amounts with you and choose the cover that fits the use of the home.
- 3
We explain it before you sign
In English: what is covered, what is excluded and what the policy expects from you.
- 4
We are there for claims
If something happens, you call us and we deal with the insurer with you.
Frequently asked questions
Usually your contents (furniture, appliances, clothes and belongings) and your liability. The building is normally insured by the landlord. Check your rental contract: some landlords ask the tenant to have a policy, and we can read that clause with you.
Yes. It is insured as a second home, so tell us how you use it and how long it stays closed. The policy has to match the real use of the home: a home declared as one use and used as another can leave a claim uncovered.
Yes. A holiday let is insured as such, because the risks are different from a home you live in. Tell us how you rent it, how often and through which platform or agency, and we will set the policy up for that use.
Imagine turning your home upside down. Whatever would stay in place, such as walls, floors, the roof, the fitted kitchen and fixed installations, is the building. Whatever would fall, such as furniture, appliances, clothes and belongings, is the contents. Each one is insured for its own amount.
Your passport or NIE and the details of the property: the address, the type of home, whether you own it or rent it and how you use it. To ask for a quote you do not need to send any document.
Being away for a while is normal and does not stop the policy working. If the home will be empty for long periods, tell us: some cover for jewellery, valuables and cash is reduced when a home is left empty for an extended time, so it is better to keep them in a safe or take them with you. A home that nobody lives in has to be declared as such.
Ask for a quote
Tell us your nationality and a little about the home. We reply in English, Monday to Friday, 9:00 to 14:00 (Spanish time).
Also need a car policy? See car insurance for expats, or go back to insurance for expats in Spain.
Request a quote
This page explains in general terms how home insurance works in Spain. It is not advice on your particular case: cover, limits and exclusions depend on the policy and are set out in its documents. Ask us before you decide.