Holiday Home Insurance: for second homes and short-term rentals
Licensed Broker
DGSFP Registered
Standard home policies exclude commercial use. Our holiday home cover is built for properties left empty most of the time, or rented out on Airbnb / Booking. Includes anti-squatter sensor and remote property management.
Pricing per property. Get a free quote in 24 hours.
From €280/year
Quote-based. Depends on property type, value and location.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, half-yearly, quarterly or monthly - no surcharges.
Tell us: property location, build value, contents value, average days/year occupied, whether you rent it out (Airbnb/Booking).
What's covered
Cover included as standard with Holiday & rental home cover
Fire, lightning, explosion + atmospheric phenomena
Damage from fire, lightning, explosion, storms, hail, flooding, smoke and soot.
Water damage
Internal leaks plus plumbing troubleshooting.
Burglary & theft
Property damage, attempted theft, contents, furniture, garden tools, cash limits.
Breakages
Glass, windows, mirrors, stone worktops, solar panels, sanitary ware, glass-ceramic hobs.
Real-estate liability (third-party)
Damage caused to third parties, including neighbours from burst pipes, tiles falling on parked cars, etc. Legal costs included.
Remote property management
We go to the property so you don't have to - for repairs, cleaning, key handover, post-incident inspection.
Home assistance
Locksmith, electrician, plumber, glazier emergency call-outs. Key pickup service.
Anti-squatter sensor
Sensor detects door intrusion, sends instant alerts, includes legal advice and defence cover. No installation, no cables, no internet required.
Food spoilage
Reimbursement for food spoiled by power outage or fridge breakdown.
Electrical damage
Damage to wiring and appliances from power surges and short circuits.
Waiting periods
- ·None - same-day activation once the policy is issued.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Loss of rental income (not currently included - confirm at quote)
- Guest-caused damage above standard contents limits (declare if you rent often)
- Wear and tear, lack of maintenance
- Items above the declared sum insured
- Use as a primary residence (use Hogar Esencial / Integral / Prestigio instead)
Holiday Home Insurance, in one paragraph
Holiday Home Insurance is built for properties that spend most of the year empty: second homes, snowbird properties, and short-term rentals on Airbnb/Booking. Standard home insurance excludes commercial use, so if you rent your property out and only have a normal policy, claims can be declined. This product fixes that. Includes the anti-squatter sensor (a genuine differentiator), remote property management (we visit the property so you don't have to), real-estate liability (covers neighbour damage from burst pipes, etc.), and full home assistance.
Why Holiday Home through ExpatInsurances
We've been arranging Caser policies for English, German, Finnish, Swedish and Spanish-speaking residents in Spain since 2011. Caser is one of the longest-standing insurers in the Spanish market - over 75 years - and we are a multiportfolio agency, so the same person who quotes your holiday home policy can also handle your health, car, pet or travel cover. One contact, five languages, full Spain (mainland, Canary and Balearic Islands).
How quoting works
No commitment until you accept. We never share your data with third parties.
- You request a quote via the form, WhatsApp or phone.
- We come back to you within 24 hours with a written quote tailored to your usage pattern (occupied days, rental activity).
- You confirm the cover level and any add-ons you'd like.
- Cover starts the same day the policy is issued and first payment is received.
Frequently asked questions
Why can't I use a normal home policy for an Airbnb?
Standard home insurance excludes commercial use, including holiday rental. If you rent your property on Airbnb, Booking or similar and you only have a standard home policy, your insurer can decline a claim, even if it's unrelated to a guest. Holiday Home Insurance specifically covers this use case.
What's the anti-squatter sensor?
A small sensor 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. A genuine differentiator for second homes left empty over winter.
Does it cover guest damage?
Damage by guests is covered under burglary/malicious acts provisions up to standard contents limits. If you rent the property frequently and have valuable contents, declare this at quote so we can size the contents cover correctly.
Does it cover loss of rental income?
This is not currently included in the standard cover. Please confirm at quote. We can sometimes negotiate enhanced terms for established short-term rental businesses.
What about communal-area damage from a burst pipe?
Real-estate liability covers damage you cause to third parties, including neighbours and shared-property damage from burst pipes or other property failures. Legal costs are included if there's a dispute.
Who is this for?
Second-home owners, snowbirds (winter in Spain, summer back home), Airbnb/Booking hosts, owners of properties that spend most of the year empty.
Get your Holiday & rental home cover quote
Fill in the details and our team will come back to you with a written quote.
Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.
Policy documents
Underwritten by Caser - 75+ years in Spain
Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros S.A. (Caser)
Registered with the Dirección General de Seguros y Fondos de Pensiones.