Insurance in Alicante for expats
Living in Alicante means coastal living, retirees, and growing expat communities – but also specific insurance questions. From holiday homes and non-resident cover to healthcare access and car insurance for seasonal residents, we help you find the right insurance in Alicante with English support.
Quick overview – insurance in Alicante
- Popular with retirees, holiday home owners, and year-round expats
- Mix of coastal apartments, inland properties, and residential communities
- High demand for second home insurance, health cover, and car insurance
Alicante at a glance (for insurance)
Who lives here?
Retirees, holiday home owners, families, and long-term expats – Alicante attracts a mix of full-time residents and seasonal visitors from Northern Europe.
Typical properties
Coastal apartments, townhouses in residential areas, and inland villas – many properties are second homes or used for part-time residency.
Most requested cover
Home insurance for second homes, private health insurance for retirees, car insurance for seasonal use, and travel cover for frequent UK/EU trips.
What expats ask us
'Can I insure my apartment when I'm back in the UK?', 'What health insurance works for retirees in Alicante?', 'Do I need Spanish car insurance if I'm here 6 months?', 'How do I cover my pool?'
How living in Alicante affects your insurance
Home insurance in Alicante
Alicante properties range from beachfront apartments to inland urbanizaciones. Many expats own second homes here, which requires specialist non-resident insurance that covers extended empty periods. Whether you're in the city center, Playa de San Juan, or surrounding towns, you need buildings and contents cover that works when you're away, plus protection against coastal weather and community liability.
Learn more about home insurance in Spain.
Health insurance in Alicante
Alicante has good healthcare facilities including Hospital General Universitario and private clinics with English-speaking doctors. Many retirees and long-term expats choose private health insurance for faster appointments, dental coverage, and pre-existing condition options. We compare plans that work for older expats and those needing visa-compliant coverage.
Explore private health insurance in Spain.
Car insurance in Alicante
Whether you drive year-round or just during your months in Alicante, you need appropriate car insurance. Seasonal residents may need policies that account for extended absences. We help you find cover for Spanish-registered vehicles, temporary imports, and understand how usage patterns affect premiums.
See our car insurance for expats in Spain.
Business & liability in Alicante
If you run a small business, work as an autónomo, or rent out your property in Alicante, you may need business or landlord liability insurance. Holiday rentals require specialist cover, and autónomos need professional indemnity depending on their activity. We help you understand what's legally required and what's smart protection.
Read more about business and liability insurance.
Popular insurance types in Alicante
Choose the insurance that fits your situation in Alicante. All policies available in English with local expertise.
Home insurance in Alicante
Cover for second homes, holiday properties, and permanent residences. Includes extended absence protection, pool liability, and coastal weather cover.
Best for: Second homes, retirees, and holiday properties
View home insurance
Health insurance for expats in Alicante
Private health plans with access to Alicante hospitals and English-speaking doctors. Options for retirees, pre-existing conditions, and visa requirements.
Best for: Retirees, families, and long-term residents
View health insurance
Car insurance in Alicante
Cover for year-round and seasonal drivers. Options for Spanish-registered vehicles, low-mileage policies, and non-resident car insurance.
Best for: Seasonal and permanent residents
View car insurance
Travel insurance from Alicante
Annual multi-trip cover for frequent flights between Alicante and the UK/EU. Includes medical emergencies, cancellation, and baggage protection.
Best for: Frequent travelers and part-time residents
View travel insurance
Business & landlord insurance
Professional liability for autónomos and landlord insurance for holiday rentals. Includes guest liability, rental income protection, and legal expenses.
Best for: Property owners and self-employed
View business insuranceFrequently asked questions – insurance in Alicante
Common questions from expats living in Alicante.
Do I need home insurance if I only use my Alicante apartment a few months per year?
Yes. Even if you're only in Alicante seasonally, you need year-round insurance. Standard policies have occupancy clauses limiting empty periods. Non-resident or second home insurance allows longer absences and covers risks like water damage, theft, and storms while you're away.
What health insurance do retirees typically choose in Alicante?
Retirees often choose comprehensive private health plans with no age limits, coverage for pre-existing conditions, and access to English-speaking doctors at Alicante hospitals. Many plans include dental, vision, and emergency repatriation. We compare options suitable for older expats.
Can I get car insurance in Alicante if I'm only here 6 months per year?
Yes, but you need appropriate cover. All Spanish-registered vehicles must be insured year-round. Some insurers offer flexible policies for seasonal use or low-mileage drivers. Declare your usage pattern accurately to ensure you're properly covered.
Is home insurance more expensive in coastal Alicante than inland areas?
Coastal properties can have higher premiums due to weather exposure (storms, flooding, salt damage). However, location is just one factor – building type, age, security, and occupancy patterns also affect pricing. We compare quotes from insurers familiar with Alicante's different zones.
Do I need special insurance if I rent out my Alicante property?
Yes, absolutely. Standard home insurance excludes rental activity. You need landlord insurance for long-term rentals or holiday let insurance for short-term/Airbnb rentals. This covers guest liability, damage by tenants, loss of rental income, and legal expenses.
Can I use my UK/EU health insurance in Alicante?
EHIC/GHIC cards give basic access to Spanish public healthcare, but private insurance is often better for expats. It provides English-speaking doctors, faster appointments, comprehensive dental/vision coverage, and is required for many visa types. Retirees and long-term residents typically choose Spanish private plans.
What documents do I need for home insurance in Alicante?
Typically your property deed (escritura), community fees confirmation (if applicable), photos of the property, and details of security measures. For holiday rentals, you may need your tourist license (VFT/VUT). We guide you through exactly what each insurer needs.
Related guides
Learn more about insurance in Spain
Ready to get the right insurance for Alicante?
Speak with our English-speaking team about your specific needs in Alicante. We'll compare quotes from multiple insurers and find the best fit for you.