Home insurance that protects your Spanish property
Licensed Broker
DGSFP Registered
Buildings and contents insurance from top Spanish insurers. Same-day activation available. Protection for owners, tenants, and second homes with English support and fast claims help.
Basic contents cover. Price varies by property value and coverage level.
Who it's for
Homeowners, tenants, landlords & second-home owners
Activation time
Same-day activation available for most properties
Documents needed
ID, property deeds/rental contract, address proof
Languages
English, Spanish, Finnish, Swedish, German
Compare home insurance options
Choose the right level of protection for your property in Spain
Buildings Only
BEST FOR:
- • Mortgage requirements
- • Landlords renting furnished
- • Tenants (landlord covers building)
NOT RECOMMENDED FOR:
- • Owner-occupiers
- • Unfurnished rental properties
Contents Only
BEST FOR:
- • Tenants in rented property
- • Flatshare residents
- • Community apartments
NOT RECOMMENDED FOR:
- • Property owners
- • Landlords
Buildings + Contents
BEST FOR:
- • Most homeowners
- • Primary residences
- • Balanced protection
NOT RECOMMENDED FOR:
- • Landlords with tenants
Landlord Package
BEST FOR:
- • Buy-to-let properties
- • Holiday rental owners
- • Multiple properties
NOT RECOMMENDED FOR:
- • Owner-occupiers
- • Primary residences
How it works
Getting home insurance in Spain is straightforward with our expert guidance
Property details
Tell us about your property type, size, and location. Quick online form.
Compare quotes
We compare policies from multiple insurers and find the best value for you.
Choose & activate
Select your policy and pay securely. We handle all the paperwork.
You're protected
Receive your policy documents. Ongoing support in English for any claims.
Home insurance coverage
Understand what's included, what's optional, and what's typically excluded
Included
- Fire and smoke damage
- Water damage (burst pipes, leaks)
- Storm and wind damage
- Theft and burglary
- Vandalism
- Third-party liability
- Glass breakage (windows, doors)
Optional add-ons
- All-risk valuables cover
- Accidental damage
- Legal defense & assistance
- Home emergency cover
- Alternative accommodation
- Garden & outdoor structures
- Swimming pool cover
- Solar panels
Not covered
- Wear and tear
- Intentional damage
- War and terrorism (unless added)
- Nuclear incidents
- Flood (in high-risk areas without rider)
- Maintenance issues
- Unoccupied property (>30 days without notification)
Why choose us for home insurance in Spain?
We specialize in helping expats protect their Spanish properties
Bank-Approved Policies
All policies meet Spanish mortgage lender requirements. We ensure your cover complies.
Second Home Specialists
Tailored policies for expats with holiday homes. Unoccupied cover and flexible terms.
Fast Claims Support
English-speaking claims assistance. We liaise with insurers and tradespeople on your behalf.
Multilingual Service
Full support in English, Spanish, Finnish, Swedish, and German throughout.
Landlord-Friendly
Specialized packages for buy-to-let and holiday rentals with loss-of-rent cover.
Community Cover Advice
Help understanding what's covered by your community insurance vs what you need.
Home insurance FAQs for expats
Related guides
Learn more about insurance in Spain
Buildings vs Contents Home Insurance
Understand the difference between buildings and contents insurance and what you need for your property in Spain.
Second Home Insurance in Spain
Essential coverage for holiday homes and vacation properties, including special considerations for unoccupied periods.
Landlord Insurance in Spain
Protect your rental property with specialized landlord insurance covering liability, property damage, and loss of rent.
Senior & Retiree Insurance Spain – 2026 Guide for Over-65s
Complete insurance guide for retirees: health insurance age limits, home, funeral, life and legal cover.
Based on 1,200+ reviews from expats across Spain
Sorted our second home insurance quickly and explained what the community policy covered vs what we needed. Great service.
David R.
Costa del Sol
Had a leak and needed to claim. They handled everything in English and the insurer paid out within 3 weeks. Couldn't have done it without them.
Helen K.
Valencia