Sorted our second home insurance quickly through Caser and explained what the community policy covered vs what we needed. Great service.
Same-day activationCaser, 75+ years5 languages
Home insurance that protects your Spanish property
Buildings and contents insurance through Caser, one of Spain's longest-established insurers with 75+ years in the market (now part of Grupo Helvetia). Three tiers of standard home cover plus a dedicated holiday-home product for Airbnb hosts. Same-day activation, English-speaking claims team, full Spain (mainland and islands). Payable annually, half-yearly, quarterly or monthly with no surcharges.
From From €120 /yearTypical starting price for an essential apartment policy. Final price depends on rebuild value, contents, postcode and use (primary residence vs holiday home). Same-day quote.
4.8/5
15,000+ expats helpedEN • ES • FI • SV • DEFrom
From €120/year
Typical starting price for an essential apartment policy. Final price depends on rebuild value, contents, postcode and use (primary residence vs holiday home). Same-day quote.
Licensed Agent
DGSFP #C0031B93323293
At a glance
Who it's for
Residents, second-home owners and Airbnb / Booking hosts across Spain
Activation time
Same-day -- once policy is issued and first month's payment received
What we need
Rebuild value, contents value, postcode, primary or holiday use, any PPP dog breeds
Languages
Claims team in English. Full support in EN, ES, FI, SV, DE.
Compare Caser home plans
Three tiers for primary residences -- Hogar Esencial, Integral, Prestigio -- plus a dedicated Holiday Home product for second homes and Airbnb / Booking hosts. All quote-based: send your details and we recommend the right fit.
Tier 01
Hogar Esencial
From €120/year
- Fire, lightning, explosion
- Water damage + plumbing repair
- Theft & burglary
- Glass & breakages
- Food spoilage
- All-risks material damage
- Garage vehicles & vessels
- Civil liability (optional add-on)
Best for
Tenants · Budget-conscious owners · Straightforward properties with minimal contents
Not recommended for
High-value properties · Owners wanting accidental damage cover
Most Popular
Tier 02
Hogar Integral
From €220/year
- All-risks material damage
- Fire, water, theft, glass
- Garage vehicles & vessels
- Food spoilage + aesthetic reconstruction
- Civil liability (enhanced add-on)
- Legal defence (optional add-on)
- Personal accident
- Dangerous-dog (PPP) liability
Best for
Owners of mid-value properties (€200k-€500k) · Most-bought home plan · Households with contents above ~€20k
Not recommended for
Tenants with minimal contents · PPP-dog households needing liability built-in
Tier 03
Hogar Prestigio
From €400/year
- Everything in Integral
- Personal accident cover
- Electrical damage (surges, short circuits)
- Dangerous-dog (PPP) civil liability
- Comprehensive legal defence
- Digital help services
- All-risks material damage
- Higher contents limits
Best for
High-value properties (€500k+ rebuild) · Villa owners · Households with PPP-classified dogs
Not recommended for
Small apartments with low contents · Budget-focused tenants
Tier 04
Hogar Vacacional (Holiday Home)
From €280/year
- Built for second homes & Airbnb / Booking
- Anti-squatter sensor (NEW)
- Remote property management
- Real-estate (third-party) liability
- Burglary, fire, water, glass, electrical
- Home assistance + key pickup
- Loss of rental income (standard)
- Use as primary residence
Best for
Second-home owners · Snowbirds (winter Spain, summer abroad) · Airbnb / Booking hosts
Not recommended for
Primary residences (use Esencial / Integral / Prestigio) · Owners needing standard loss-of-rent cover
Home insurance cost in Spain and what affects your quote
Pricing is per property -- the biggest mistake we see is people insuring for market value instead of rebuild value (just the cost to physically reconstruct the building, not the land). Request a quote and we will recommend the best Caser tier for your case.
Price drivers
- Rebuild value: cost to reconstruct the building -- NOT market value (which includes land)
- Square meters & build year: size and age of the property
- Contents value: estimated total value of belongings; declare high-value items separately
- Postcode / location: province, postcode, flood / crime risk profile
- Security features: alarms, reinforced doors, gated community
- Occupancy pattern: year-round primary home vs. holiday home empty most of the year
- PPP dog breeds: dangerous-dog liability is built into Prestigio, otherwise standalone
Example profiles
Tenant, apartment, modest contents: Hogar Esencial -- named-perils cover with optional civil liability and assistance
Owner of mid-value property (€200k-€500k rebuild): Hogar Integral -- our most-bought plan, all-risks plus garage vehicles
Villa €500k+, valuable electronics, PPP dog: Hogar Prestigio -- personal accident, electrical damage, PPP liability, comprehensive legal defence
Second home or property rented on Airbnb / Booking: Holiday Home -- anti-squatter sensor, remote management, real-estate liability
Request a quote and we will come back with the best Caser option for your case.
Community insurance rarely covers your apartment's interior or contents. Most expats are surprised when they discover this gap. Always check what your comunidad covers before assuming you're protected.
Maya Kallio
Licensed Insurance Agent, DGSFP
How it works
Getting Caser home insurance in Spain is straightforward with our expert guidance
01
Property details
Tell us your postcode, rebuild value (we help you estimate -- not market value), contents value, and whether it's primary or holiday use.
02
We recommend a plan
Esencial, Integral, Prestigio or Holiday Home -- we match the right Caser tier to your property, contents, and any PPP dog breeds.
03
Choose & activate
Pay annually, half-yearly, quarterly or monthly -- no surcharges. Same-day cover once policy is issued and first payment received.
04
You're protected
Receive your policy documents and English-speaking claims support for any incident -- 24/7 home assistance for locksmith, plumber, electrician.
Your Spanish home deserves proper protection
Let us find the right Caser plan while you enjoy your property
What we need for a home quote
Most cases are straightforward. NIE is not always required at quote stage -- send what you have and we will tell you what's still needed for activation.
Checklist
- Property address and postcode
- Building reconstruction value (we help you estimate -- NOT market value)
- Approximate contents value
- Square meters and build year
- Primary residence or holiday home
- Any PPP dog breeds in the household (Pit Bull, Staffordshire, Rottweiler, Akita, Tosa Inu, etc.)
- Any high-value items to declare separately (jewellery, art)
- Security details -- alarm, reinforced doors, gated community
No NIE yet?
You can still request a quote. We will confirm what is needed before activation.
Coverage overview
Home insurance coverage
Understand what's included, what's optional, and what's typically excluded
Standard cover
Included
- Fire, lightning, explosion (building & contents)
- Atmospheric phenomena, storm, hail, external flooding
- Water damage from internal leaks + plumbing investigation and repair
- Theft, burglary, attempted theft, damage to locks and doors
- Glass and breakages -- windows, mirrors, sanitary ware, glass-ceramic hobs
- Aesthetic reconstruction of decorative finishes after a covered loss
- Food spoilage from power outage or fridge breakdown
- Locksmith, electrician, plumber, glazier emergency call-outs (assistance)
Add to your policy
Optional
- All-risks material damage (Integral, Prestigio, Holiday Home)
- Garage vehicles and vessels (Integral / Prestigio)
- Civil liability + enhanced limits (add-on / built-in on higher tiers)
- Personal accident cover (Prestigio)
- Electrical damage from power surges and short circuits (Prestigio / Holiday Home)
- Dangerous-dog (PPP) civil liability (Prestigio)
- Comprehensive legal defence (Prestigio add-on / Integral add-on)
- Anti-squatter sensor with legal defence (Holiday Home only)
- Remote property management (Holiday Home)
- VIP travel assistance, Amayores elderly-care services (Integral add-ons)
Read carefully
Not covered
- Wear and tear / lack of maintenance
- Items above the declared sum insured (declare valuables separately)
- Holiday rental / Airbnb activity on a standard policy (use Holiday Home product)
- Use as primary residence on the Holiday Home policy
- Loss of rental income (not currently included as standard)
- Treatments excluded by the General Conditions
Property types and ownership situations
Owners, tenants, second-home owners, snowbirds and Airbnb hosts -- we have a Caser product for each. Send your details and we will confirm the best tier.
Primary residence (owner)
Hogar Esencial, Integral or Prestigio depending on rebuild value, contents and risk profile. Integral is our most-bought plan -- right for mid-value owners with contents above ~€20k.
Read the full guideTenant (renters' insurance)
Hogar Esencial is the typical fit -- contents cover for your belongings plus optional civil liability. The landlord covers the building.
Read the full guideVilla / high-value property
Hogar Prestigio for €500k+ rebuild values, expensively-furnished homes, or households with PPP-classified dogs needing built-in dangerous-dog liability.
Read the full guideSecond / holiday home
Holiday Home product for properties empty most of the year -- snowbirds, second homes. Includes anti-squatter sensor and remote property management.
Read the full guideAirbnb / Booking host
Standard home policies (Esencial, Integral, Prestigio) explicitly exclude commercial use -- a claim can be declined even if unrelated to a guest. Holiday Home is the product designed for this. Loss of rental income is not currently included as standard.
Contact us about options
From apartments to Airbnb villas, Caser has you covered
Esencial, Integral, Prestigio plus a dedicated Holiday Home product
Why choose us
Why choose us for home insurance in Spain?
Specialist Caser brokerage with all four home tiers -- Esencial, Integral, Prestigio and Holiday Home -- handled in five languages
i.
Independent agency
We don't push a single insurer's product -- we match you to the right tier (Esencial, Integral, Prestigio or Holiday Home) based on your property and use case.
ii.
Multiportfolio approach
Caser is live across all four home tiers — and we handle your health, car, travel, pet and business cover too. One team, one contact, every renewal coordinated.
iii.
5 languages
Full support in English, Spanish, Finnish, Swedish, and German. Claims handled in English so you're never lost in translation.
iv.
Same-day activation
Cover starts the day the policy is issued and your first payment is received -- useful when a mortgage lender needs proof of cover before completion.
v.
Full Spain incl. islands
Caser covers properties throughout mainland Spain, the Canary Islands, and the Balearic Islands -- same terms across all territories.
vi.
Airbnb / second-home specialists
We're one of the few brokers actively placing the Caser Holiday Home product -- with anti-squatter sensor and remote property management built in.
Excess (franquicia) on home insurance
Best for cost-conscious homeowners
Policy with excess
- Lower annual premium
- You pay an agreed amount per claim
- Good for low-value or infrequent claimers
- Payment options: annual, half-yearly, quarterly or monthly -- no surcharges
Best for maximum simplicity
Policy without excess
- Higher premium
- No out-of-pocket cost when claiming
- Good for high-value properties and contents
- Payment options: annual, half-yearly, quarterly or monthly -- no surcharges
Excess structure depends on the tier and risk profile. Tell us your preference and we will recommend the best fit.
Burglary, water damage or fire -- what to do first
01
Ensure everyone is safe -- evacuate if necessary
02
Burglary: call the police (091 / 112) and get a denuncia (police report) -- required for any theft claim
03
Water damage: shut off the stopcock; fire: call 112 first; structural risk: leave the property
04
Take photos and video of all damage before cleanup -- including serial numbers of stolen items
05
Use Caser's 24h home assistance for emergency locksmith, plumber, electrician or glazier
06
Contact our claims team in English -- we open the parte de siniestro with Caser for you
07
Keep all receipts for emergency repairs and food spoilage
08
Do not dispose of damaged items until the perito (loss adjuster) has inspected them
Even small incidents should be documented properly. The anti-squatter sensor on Holiday Home auto-alerts and triggers legal defence cover.
Coverage across Spain
01 · Region
Mainland Spain
Full Caser coverage for your home anywhere on the Spanish mainland.
02 · Region
Canary Islands
Caser policies cover properties in the Canary Islands with the same terms as the mainland.
03 · Region
Balearic Islands
Caser policies cover properties in the Balearic Islands with the same terms as the mainland.
04 · Region
Second homes / holiday properties
Holiday Home product available across all Spanish territories -- specialist cover for properties unoccupied most of the year.
Community areas are typically covered by the comunidad insurance. We can advise on what you need personally from your own Caser policy.
Key Terms
Key Spanish Home Insurance Terms
Essential vocabulary to understand your property insurance policy in Spain.
Seguro de hogar
Home insurance policy
Continente
Buildings cover (structure)
Contenido
Contents cover (belongings)
Seguro multirriesgo
Multi-risk/comprehensive policy
Franquicia
Excess or deductible
Prima
Premium (insurance cost)
Capital asegurado
Sum insured
Valor de reposición
Replacement value (new for old)
Daños por agua
Water damage cover
Búsqueda y reparación
Leak detection and repair
Incendio
Fire cover
Robo
Theft cover
For holiday homes empty 6+ months per year, standard policies often won't cover you. Caser's specialist second-home plans are essential -- and they're more affordable than most people think.
Maya Kallio
Licensed Insurance Agent, DGSFP
Expert reviewed
Written and reviewed by licensed insurance agents.
Last reviewed: 1 January 2026
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent · Since 2012
Marco Elsinger
Licensed Insurance Agent · 10+ years
Languages: English, Finnish, Spanish, German, Swedish · DGSFP License: C0031B93323293
Common questions
Home insurance FAQs for expats in Spain
Anything more specific — call or WhatsApp, we'll pick up.
Which home insurance is right for me?
Tenant or low-contents home -> Esencial. Owner of mid-value property (€200k-€500k) -> Integral (most-bought). High-value property, villa, PPP-classified dog -> Prestigio. Property rented on Airbnb or empty most of the year -> Holiday Home.
Can I cover my Airbnb on a standard home policy?
No -- standard home policies (Esencial, Integral, Prestigio) explicitly exclude commercial use including short-term rental. If you rent on Airbnb or Booking, you need our Holiday Home product to keep cover valid.
How fast does cover start?
Same day -- once the policy is issued and first month's payment received.
What about loss of rental income on Airbnb?
Not currently included as standard. We can sometimes negotiate enhanced terms for established short-term rental businesses -- ask us.
Do you cover the Canary and Balearic Islands?
Yes -- full Spain including mainland, Canary Islands and Balearic Islands.
What information do you need for a home quote?
Building reconstruction value (NOT market value -- we'll help you estimate), contents value, postcode, primary or holiday residence, any high-value items to declare separately, and any PPP dog breeds in the household.
What's the difference between Esencial, Integral and Prestigio?
Esencial uses named-perils cover (only specifically listed events -- fire, water, theft, glass, food spoilage). Integral upgrades to all-risks material damage and adds garage vehicles. Prestigio adds personal accident, electrical damage, dangerous-dog (PPP) liability, comprehensive legal defence and digital help services.
What's the anti-squatter sensor?
A small sensor (Holiday Home product only) that detects door intrusion at your unoccupied property and sends an instant alert. If it triggers, the policy includes legal advice and defence cover for the squatting situation. No installation needed -- no cables, no internet, runs on battery.
Why insure for rebuild value, not market value?
Market value includes the land; rebuild value is just what it would cost to physically reconstruct the building. Insuring for market value means over-paying premiums on land you can't lose. Insuring for too little rebuild value means a partial-loss claim could be reduced proportionally. We help you estimate at quote.
What if my community already has buildings insurance?
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 Caser policy to fill these gaps.
What payment options are available?
Annual, half-yearly, quarterly or monthly -- no surcharges for spreading payments. Tell us your preference at quote.
Who is Caser?
Caser is one of Spain's most established insurance companies with over 75 years of experience. Caser is part of Grupo Helvetia, a leading European insurance group. They offer full coverage across all of Spain, including the Canary Islands and Balearic Islands.
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Read more →Customer Reviews
Customer reviews
4.8/ 5
Based on 1,200+ reviews from expats across Spain
Had a leak and needed to claim. They handled everything in English and Caser paid out within 3 weeks. Couldn't have done it without them.
Bought a villa and needed proper cover. They explained the Caser tiers clearly and helped us pick the right plan for our situation.
Our mortgage required buildings insurance by completion. They arranged the Caser policy same-day and the bank accepted it without issues.
