Home insurance that protects your Spanish property

Buildings insurance is mandatory if you have a mortgage. For owner-occupiers without a mortgage, it's not legally required but highly recommended. Tenants aren't legally required to have insurance, but contents insurance is strongly advised. Community buildings may have some cover, but you'll need your own policy for contents and liability.

Buildings insurance covers the structure itself: walls, roof, floors, fixtures, and fittings. Contents insurance covers your belongings: furniture, electronics, clothing, and valuables. If you own your home, you typically need both. Tenants only need contents insurance as the landlord covers the building.

Costs vary widely based on property value, location, and coverage level. Basic contents cover starts from around €140/year. Combined buildings and contents for a typical apartment costs €220-500/year. Villas and detached houses are more expensive. We'll compare quotes to find you the best price.

Yes, especially if the property is unoccupied for extended periods. Standard policies often exclude or limit cover for unoccupied properties. We offer specialized second-home policies that cover properties empty for months at a time, which is common for expat holiday homes.

Community insurance (seguro de comunidad) typically covers shared areas and the building's exterior structure. However, it usually does NOT cover your apartment's interior, your contents, or your personal liability. You still need your own policy to fill these gaps.

Yes, but you need a landlord insurance policy, not standard home insurance. Landlord policies include: building structure, landlord liability, loss of rent if the property becomes uninhabitable, and optional cover for tenant damage. We specialize in landlord policies for expat property owners.

Standard home insurance excludes commercial use like Airbnb. However, we offer a specialized holiday rental endorsement that covers guest damage, liability claims, and loss of rental income - essential protection for Airbnb hosts and holiday rental property owners.

You'll need: (1) Property address, (2) Property deeds (escritura) or rental contract, (3) NIE number, (4) Estimate of contents value (for contents cover), (5) Details of any high-value items (jewelry, art). We can work with you if you're missing any documents.

Basic policies often exclude or limit cover for pools, gardens, and outbuildings. These can usually be added for an additional premium. If you have a pool, terrace, or extensive garden, make sure to declare these when getting quotes.

Contact us immediately. We'll guide you through the process: documenting damage, getting repair quotes, and submitting the claim. We liaise with the insurer in Spanish if needed and can recommend English-speaking tradespeople for repairs.

Same-day activation is available for most properties once you've provided all required documents. Mortgage lenders typically require cover to start on completion day, which we can arrange. The quote process takes 2-4 hours.