Insurance guides for expats in Spain
Not sure which insurance you really need in Spain? Our guides explain car insurance in Spain for expats, home insurance in Spain, and health insurance for expats in Spain in clear English, with practical examples. Start here, then request a quote when you're ready.
Featured guides

Health Insurance for Children in Spain: A Practical Guide for Expat Families
Everything expat parents need to know about getting health cover for their children in Spain—public SNS access, private options, and what to check before signing.
Read guide
Moving to Spain With Pets (Dogs, Cats, Ferrets): Paperwork, Timelines, and Common Mistakes
Complete guide to bringing your pet to Spain—EU passports, microchips, rabies vaccines, non-EU requirements, and the timeline you need to follow.
Read guide
Insurance in Spain: Main Policy Types Every Expat Should Know
Complete overview of car, home, health, travel, life, and business insurance for expats in Spain. Learn what cover you need and how to compare options.
Read guide
English-Speaking Insurance Broker in Spain – 2026 Guide
How a licensed broker helps expats compare health, car, home, life & business insurance with English support. Step-by-step guide to working with ExpatInsurances.es.
Read guide
Business Insurance Broker in Spain for SMEs & Autónomos – 2026 Guide
How a licensed broker helps autónomos & SMEs compare public liability, professional indemnity, contents and business interruption cover with English support.
Read guide
Medical Insurance in Spain for Expats 2026 Guide
Complete 2026 guide with prices from €38-190/month, visa requirements, and how to choose the right private healthcare plan.
Read guide
Home Insurance in Spain for Expats 2026 Guide
Complete 2026 guide with prices from €95-450/year for apartments and houses. Coverage types, costs, and how to choose the right policy.
Read guide
Holiday Insurance for Spain 2026 Guide
Complete 2026 guide for tourists visiting Spain. Prices from €8-40/week, medical coverage, EHIC limitations, and what every visitor should know.
Read guide
Car Insurance in Spain for Expats 2026 Guide
Complete breakdown of how car insurance works in Spain, including 2026 price ranges, types of coverage, legal requirements, and expert tips for expat drivers.
Read guide
Cheap & Best Car Insurance in Spain for Expats – 2026 Guide
How to find cheap but reliable car insurance in Spain from €180/year. When a cheap policy makes sense, when to pay more, and common mistakes to avoid.
Read guide
Car Insurance Quotes in Spain – 2026 Guide for Expats
How to get, compare and understand car insurance quotes in Spain. Learn the difference between online comparators, direct insurers and brokers.
Read guide
How to Choose a Car Insurance Company in Spain as an Expat
What to look for in a car insurance company, broker vs going direct, and how to avoid common traps when you're new to Spain.
Read guide
Rental Car Insurance in Spain – Excess & Extra Cover 2026 Guide
Understand excess (€600–€1,800+), CDW, theft protection and when to buy extra cover. Compare rental desk insurance vs independent options.
Read guide
How Much Does Car Insurance Cost in Spain?
Complete breakdown of car insurance costs in Spain for expats. Learn what affects your premium and how to save money on your policy.
Read guide
Non-Resident Car Insurance Spain – Foreign Plates & UK Cars
Complete guide to insuring foreign-plated vehicles in Spain. UK plates, requirements, costs, and documentation needed for non-residents.
Read guide
Can You Insure a Car in Spain Without Spanish Plates?
Yes, but only in specific situations. Learn when insurance is possible, legal risks, police checks, Brexit implications, and what expats should do.
Read guide
Car Insurance in Spain with a Foreign Driving Licence – 2026 Guide
How to get car insurance with EU, UK, or non-EU licences. Insurer acceptance rules, licence exchange requirements, and common renewal problems.
Read guide
Health Insurance for Spanish Visa – Requirements Guide
Everything you need to know about meeting health insurance requirements for your Spanish visa application. No copays, coverage amounts, and approved insurers.
Read guide
Health Insurance for Non-Lucrative & Digital Nomad Visas – 2026 Guide
Exactly what private health insurance you need for NLV and DNV applications. No copay policies from €38/month, typical costs by age, and how to avoid refusals.
Read guide
Student Health Insurance in Spain – 2026 Guide for Student Visas
What health insurance you need for a Spanish student visa. No copay policies from €32/month, language school & university cover, and how to avoid consulate problems.
Read guide
EHIC vs Private Health Insurance in Spain – 2026 Guide
Compare EHIC/GHIC coverage with private health insurance. Learn when the card is enough and when you need full private cover for visas and residency.
Read guide
Buildings vs Contents – Home Insurance in Spain Explained
Not sure what 'buildings' and 'contents' mean? Learn the difference, what your bank requires, and how to avoid underinsurance.
Read guide
Second Home Insurance in Spain – Protecting Your Holiday Property
Own a holiday home? Learn how second home insurance works, vacancy rules, community policy limitations, and when you need holiday-let cover.
Read guide
Professional Indemnity vs Public Liability in Spain: What Freelancers & SMEs Need in 2026
Clear comparison of PI vs PL insurance—who needs which, what's covered, typical limits €150k-€1M, and how to prove cover to clients. Essential guide for autónomos.
Read guide
Boat Insurance in Spain – 2026 Guide for Expats, Sailors & Yacht Owners
Complete guide to boat insurance in Spain. Third-party liability, hull cover, theft, towing and marina requirements for expat boat owners.
Read guide
Life Insurance in Spain for Expats – 2026 Guide
Complete guide to life insurance in Spain for expats. Policy types, how much cover you need, mortgage protection and critical illness options.
Read guide
Funeral Insurance in Spain – What Happens When Someone Dies (2026 Guide)
What happens when someone dies in Spain? Complete guide to funeral insurance (seguro de decesos), repatriation, and how the Spanish funeral system works for expats.
Read guide
Senior & Retiree Insurance Spain – 2026 Guide for Over-65s
Complete insurance guide for retirees and over-65s in Spain. Health insurance age limits, home, funeral, life and legal cover for EU pensioners and non-EU visa holders.
Read guide
Travel & Schengen Insurance for Expats Living in Spain – 2026 Guide
Travel insurance for residents in Spain travelling abroad. Schengen, EU and worldwide cover. Annual multi-trip options, medical, cancellation and baggage.
Read guide
Public Liability Insurance for Autónomos in Spain – Costs, Cover & When It's Required
Public liability insurance for autónomos in Spain from €15/month. Learn what's covered, when it's required, and how to get a certificate for clients and landlords.
Read guide
Best Dental Insurance Spain 2026: Top Plans for Expats Compared
Compare the best dental insurance plans in Spain for expats 2026. Sanitas, Adeslas, DKV, Mapfre rated by coverage, price, network size and English support.
Read guide
Business Insurance in Spain – 2026 Guide for Expats, Self-Employed & Small Businesses
Complete guide to business insurance in Spain for expats, autónomos and SMEs. Public liability, professional indemnity, contents, cyber insurance explained.
Read guideAll guides
65 guides available

Health Insurance for Children in Spain: A Practical Guide for Expat Families
Everything expat parents need to know about getting health cover for their children in Spain—public SNS access, private options, and what to check before signing.

Moving to Spain With Pets (Dogs, Cats, Ferrets): Paperwork, Timelines, and Common Mistakes
Complete guide to bringing your pet to Spain—EU passports, microchips, rabies vaccines, non-EU requirements, and the timeline you need to follow.

Insurance in Spain: Main Policy Types Every Expat Should Know
Complete overview of car, home, health, travel, life, and business insurance for expats in Spain. Learn what cover you need and how to compare options.

English-Speaking Insurance Broker in Spain – 2026 Guide
How a licensed broker helps expats compare health, car, home, life & business insurance with English support. Step-by-step guide to working with ExpatInsurances.es.

Average Wage in Spain: What Expats Need to Earn
2026 guide to salaries in Spain. Understand what you need to earn for a comfortable life including rent, bills, insurance and savings.

Income Protection Insurance in Spain – 2026 Guide for Expats & Self-Employed
What income protection covers, how it differs from health & life insurance, options for employees vs autónomos, and what affects the price.

Pet Insurance in Spain – 2026 Guide for Expats & Non-Residents
Complete guide to pet insurance in Spain for expats. Learn about cover types (accident, illness, liability), legal requirements for dogs & cats, and how to choose the right policy.

Business Insurance Broker in Spain for SMEs & Autónomos – 2026 Guide
How a licensed broker helps autónomos & SMEs compare public liability, professional indemnity, contents and business interruption cover with English support.

Medical Insurance in Spain for Expats 2026 Guide
Complete 2026 guide with prices from €38-190/month, visa requirements, and how to choose the right private healthcare plan.

Home Insurance in Spain for Expats 2026 Guide
Complete 2026 guide with prices from €95-450/year for apartments and houses. Coverage types, costs, and how to choose the right policy.

Holiday Insurance for Spain 2026 Guide
Complete 2026 guide for tourists visiting Spain. Prices from €8-40/week, medical coverage, EHIC limitations, and what every visitor should know.

Fire Damage Restoration in Spain 2026 Guide
Complete expat-friendly guide to handling fire damage in Spain. Costs from €1,200-9,500, insurance claims, restoration process, and typical 2026 repair costs.

Water Damage & Home Insurance in Spain – 2026 Guide
How home insurance covers water damage in Spain: burst pipes, floods, leaks. What's covered, exclusions, claims process, and typical repair costs €800-6,000.

Mold Damage After Water Leaks: What Home Insurance Covers
When mold is covered after a leak, when it's declined, and how to file a stronger claim. Prevention tips for second homes.

Home Insurance Quotes in Spain: How to Get an Accurate Price
How to request quotes that match your property, what affects pricing, and how to compare options without getting lost in small print.

Car Insurance in Spain for Expats 2026 Guide
Complete breakdown of how car insurance works in Spain, including 2026 price ranges, types of coverage, legal requirements, and expert tips for expat drivers.

Missed a Car Insurance Payment in Spain? What Happens Next
What to do if your car insurance payment failed: legal timeline, suspension rules, reinstatement process, and how to get covered again fast.

Cheap & Best Car Insurance in Spain for Expats – 2026 Guide
How to find cheap but reliable car insurance in Spain from €180/year. When a cheap policy makes sense, when to pay more, and common mistakes to avoid.

Car Insurance Quotes in Spain – 2026 Guide for Expats
How to get, compare and understand car insurance quotes in Spain. Learn the difference between online comparators, direct insurers and brokers.

How to Choose a Car Insurance Company in Spain as an Expat
What to look for in a car insurance company, broker vs going direct, and how to avoid common traps when you're new to Spain.

Rental Car Insurance in Spain – Excess & Extra Cover 2026 Guide
Understand excess (€600–€1,800+), CDW, theft protection and when to buy extra cover. Compare rental desk insurance vs independent options.

How Much Does Car Insurance Cost in Spain?
Complete breakdown of car insurance costs in Spain for expats. Learn what affects your premium and how to save money on your policy.

Non-Resident Car Insurance Spain – Foreign Plates & UK Cars
Complete guide to insuring foreign-plated vehicles in Spain. UK plates, requirements, costs, and documentation needed for non-residents.

Can You Insure a Car in Spain Without Spanish Plates?
Yes, but only in specific situations. Learn when insurance is possible, legal risks, police checks, Brexit implications, and what expats should do.

Buying a Second-Hand Car in Spain: Registration, Taxes and Insurance
DGT checks, ITV (MOT), transfer taxes, and how to arrange insurance from day one. Essential reading before buying used.

Car Insurance in Spain with a Foreign Driving Licence – 2026 Guide
How to get car insurance with EU, UK, or non-EU licences. Insurer acceptance rules, licence exchange requirements, and common renewal problems.

Health Insurance for Spanish Visa – Requirements Guide
Everything you need to know about meeting health insurance requirements for your Spanish visa application. No copays, coverage amounts, and approved insurers.

Health Insurance for Non-Lucrative & Digital Nomad Visas – 2026 Guide
Exactly what private health insurance you need for NLV and DNV applications. No copay policies from €38/month, typical costs by age, and how to avoid refusals.

Student Health Insurance in Spain – 2026 Guide for Student Visas
What health insurance you need for a Spanish student visa. No copay policies from €32/month, language school & university cover, and how to avoid consulate problems.

EHIC vs Private Health Insurance in Spain – 2026 Guide
Compare EHIC/GHIC coverage with private health insurance. Learn when the card is enough and when you need full private cover for visas and residency.

Buildings vs Contents – Home Insurance in Spain Explained
Not sure what 'buildings' and 'contents' mean? Learn the difference, what your bank requires, and how to avoid underinsurance.

Second Home Insurance in Spain – Protecting Your Holiday Property
Own a holiday home? Learn how second home insurance works, vacancy rules, community policy limitations, and when you need holiday-let cover.

Landlord Insurance in Spain – Complete Protection Guide
Protect your rental property beyond basic home insurance: tenant damage, loss of rent, legal expenses. Essential coverage for property owners.

Temporary Car Insurance in Spain (1–30 Days)
Need short-term car insurance in Spain? Learn how temporary cover works, who it's for, typical costs, and alternatives to consider.

Transfer Foreign Car to Spanish Plates – Step-by-Step Guide
Moving a car to Spain? When you must change to Spanish plates, required documents, taxes, fees, and the complete ITV and DGT process.

Professional Indemnity vs Public Liability in Spain: What Freelancers & SMEs Need in 2026
Clear comparison of PI vs PL insurance—who needs which, what's covered, typical limits €150k-€1M, and how to prove cover to clients. Essential guide for autónomos.

How Public Liability Insurance Works in Spain – 2026 Guide for Small Businesses
Learn how public liability insurance protects small businesses in Spain. Covers bodily injury, property damage, legal costs. Guide to limits, pricing & what expats need to know.

How Dental Insurance Works in Spain – 2026 Guide for Expats
Learn how dental insurance works in Spain. Covers plan types, what's included, waiting periods, costs & key questions for expats.

Boat Insurance in Spain – 2026 Guide for Expats, Sailors & Yacht Owners
Complete guide to boat insurance in Spain. Third-party liability, hull cover, theft, towing and marina requirements for expat boat owners.

Life Insurance in Spain for Expats – 2026 Guide
Complete guide to life insurance in Spain for expats. Policy types, how much cover you need, mortgage protection and critical illness options.

Funeral Insurance in Spain – What Happens When Someone Dies (2026 Guide)
What happens when someone dies in Spain? Complete guide to funeral insurance (seguro de decesos), repatriation, and how the Spanish funeral system works for expats.

Senior & Retiree Insurance Spain – 2026 Guide for Over-65s
Complete insurance guide for retirees and over-65s in Spain. Health insurance age limits, home, funeral, life and legal cover for EU pensioners and non-EU visa holders.

Travel & Schengen Insurance for Expats Living in Spain – 2026 Guide
Travel insurance for residents in Spain travelling abroad. Schengen, EU and worldwide cover. Annual multi-trip options, medical, cancellation and baggage.

Holiday Insurance from Spain: Travel Cover for Trips Abroad
Travel insurance for expats living in Spain. Cover medical emergencies, cancellation, baggage. Compare single-trip, annual and premium options.

Public Liability Insurance for Autónomos in Spain – Costs, Cover & When It's Required
Public liability insurance for autónomos in Spain from €15/month. Learn what's covered, when it's required, and how to get a certificate for clients and landlords.

Jet Ski Insurance Spain 2026: Mandatory Cover, Costs & How Expats Get Insured
Jet ski insurance in Spain is mandatory. Learn what's required by law, optional add-ons for damage and theft, typical costs, and how expats can get covered quickly.

Third-Party Boat Insurance in Spain: Mandatory Liability Cover for Expats (2026)
Third-party boat insurance is mandatory in Spain. Learn what liability covers, marina requirements, costs from €20/month, and documents needed for expats.

Dental Insurance Cost Spain 2026: €10–€80/Month (Real Expat Prices)
What dental insurance actually costs in Spain in 2026. Basic plans from €10/month, comprehensive from €50/month. Compare by age, family size and coverage level.

Dental Insurance Coverage Spain 2026: What's Included, Excluded & Waiting Periods
Understand what Spanish dental insurance covers in 2026. Check-ups, fillings, crowns, implants, orthodontics. Waiting periods, exclusions and how to avoid surprises.

Best Dental Insurance Spain 2026: Top Plans for Expats Compared
Compare the best dental insurance plans in Spain for expats 2026. Sanitas, Adeslas, DKV, Mapfre rated by coverage, price, network size and English support.

Renters Insurance in Spain: What Tenants Need
Contents + liability cover for tenants. What's covered, what isn't, shared flat rules, and how to avoid disputes with landlords.

Community Insurance vs Home Insurance: What's Covered
When the community pays, when you pay. Understanding the split between comunidad insurance and personal home insurance in Spanish apartments.

Mortgage Home Insurance Spain: What Banks Require
What lenders ask for, your right to choose insurers, and how to compare bank-linked insurance with independent options.

Home Insurance Claims in Spain: How to File & Get Paid
Step-by-step guide to filing home insurance claims. Required documents, typical timelines 15-45 days, common rejection reasons, and how to appeal.

Airbnb Home Insurance Spain: What Owners Should Check
What standard policies miss for short-term rentals: liability to guests, guest-caused damage, and unoccupied period conditions.

Solar Panels Home Insurance Spain: What's Covered
Declaration requirements, underinsurance risks, and how panels vs inverter vs battery are treated differently by insurers.

Temporary Motorcycle Insurance in Spain: Short-Term Cover by Days or Weeks
What works for day/week/month cover, UK bike requirements, legal minimums, and how to stay insured for short trips.

Funeral Insurance in Spain: Repatriation, Paperwork & What to Check
Expat-focused guide to funeral insurance. Repatriation options, what is covered, what is not, and questions to ask before you buy.

What Happens If You Do Not Pay Your Insurance in Spain?
Legal timelines, suspension rules, and how to fix a missed payment fast. Covers car, home, health, and life insurance.

UK Motorcycle Third-Party Insurance in Spain: Legal Requirements for UK Plates
Third-party liability requirements for UK-registered motorcycles in Spain. Green Card rules, minimum cover, costs from €15/month, and documents needed.

Professional Indemnity Insurance in Spain for Freelancers & SMEs (2026)
What autónomos and small companies need to know about PI (responsabilidad civil profesional): who needs it, typical limits, exclusions, and how to prove cover to clients.

Business Insurance in Spain – 2026 Guide for Expats, Self-Employed & Small Businesses
Complete guide to business insurance in Spain for expats, autónomos and SMEs. Public liability, professional indemnity, contents, cyber insurance explained.

Legal Expenses Insurance in Spain – 2026 Guide
Complete guide to legal expenses insurance in Spain. Coverage options, costs, and how it protects expats and businesses from legal costs.

Motorcycle Insurance in Spain – 2026 Guide for Expats & Non-Residents
Complete guide to motorcycle insurance in Spain. Coverage types, legal requirements, costs, and tips for expats and non-residents with foreign plates.

Do Autónomos Need Public Liability Insurance in Spain?
When public liability is legally required, when it's contractually required, and how to check the Registro de Seguros Obligatorios (RSO). Guide for freelancers in Spain.
Not sure which guide applies to you?
Tell us a bit about your situation in Spain, and we'll point you to the right guides – or give you advice directly on your insurance options.