Insurance on the Costa del Sol for expats
Living on the Costa del Sol means holiday homes, seasonal stays, and rental properties – but also specific insurance questions. From non-resident cover and Airbnb insurance to pool liability and extended absence protection, we help you find the right insurance for your Costa del Sol property.
Quick overview – insurance in Costa del Sol
- Popular with holiday home owners, retirees, and property investors
- Coastal villas, apartments, and short-term rental properties
- High demand for landlord insurance, second home cover, and pool protection
Costa del Sol at a glance (for insurance)
Who lives here?
Holiday home owners, retirees, seasonal residents, and property investors – the Costa del Sol attracts non-residents and long-stay expats.
Typical properties
Coastal villas, holiday apartments, townhouses, and rental properties – often used seasonally or rented out via Airbnb and short-term lets.
Most requested cover
Landlord insurance, holiday let cover, second home insurance, and non-resident car insurance with extended absence protection.
What expats ask us
'Can I insure my villa when I'm back in the UK?', 'What cover do I need for Airbnb?', 'Does my insurance work if the property is empty for 60+ days?', 'How do I insure a pool?'
How living in Costa del Sol affects your insurance
Home insurance on the Costa del Sol
Costa del Sol properties face unique challenges: coastal weather, extended empty periods, and often rental use. Whether you own a villa in Marbella, an apartment in Fuengirola, or a townhouse in Nerja, you need insurance that covers buildings, contents, pools, and works when you're away. If you rent out your property, standard home insurance won't cover you.
Learn more about home insurance in Spain.
Landlord & holiday let insurance
Many Costa del Sol owners rent their properties via Airbnb, Booking.com, or long-term lets. This requires specialist landlord or holiday let insurance. You need cover for guest liability, damage caused by renters, loss of rental income, and legal expenses. Tourist rental licenses (VFT/VUT) often require proof of insurance.
Car insurance on the Costa del Sol
If you keep a car on the Costa del Sol for seasonal use, you need insurance that accounts for extended periods when you're away. Non-resident car insurance allows longer absences than standard policies. Whether you have a Spanish-registered vehicle or temporarily import one, we help you find cover that fits your usage pattern.
See our car insurance for expats in Spain.
Health insurance for Costa del Sol residents
Many Costa del Sol expats split time between Spain and their home country. If you're a permanent resident or planning to spend extended periods here, private health insurance gives you access to English-speaking doctors and private hospitals in Málaga, Marbella, and Fuengirola. Some policies even cover you for visits back home.
Explore private health insurance in Spain.
Popular insurance types in Costa del Sol
Choose the insurance that fits your situation in Costa del Sol. All policies available in English with local expertise.
Home & landlord insurance
Specialist cover for second homes, holiday properties, and rental villas. Includes extended absence protection, pool liability, and rental income protection.
Best for: Holiday homes and rental properties
View home insurance
Health insurance for expats
Private health cover with access to English-speaking doctors in Málaga, Marbella, and Fuengirola. Options for seasonal and permanent residents.
Best for: Retirees and long-stay residents
View health insurance
Non-resident car insurance
Car insurance for seasonal use with extended absence protection. Covers Spanish-registered vehicles and temporary imports from the UK/EU.
Best for: Holiday home owners and seasonal residents
View car insurance
Travel insurance
Annual multi-trip cover for frequent flights between the Costa del Sol and your home country. Includes medical emergencies and trip cancellation.
Best for: Seasonal residents and frequent travelers
View travel insurance
Business & rental property insurance
Public liability for property rental businesses, pool maintenance, and holiday let operations. Includes guest liability and rental income protection.
Best for: Property investors and rental businesses
View business insuranceFrequently asked questions – insurance in Costa del Sol
Common questions from expats living in Costa del Sol.
Ready to get the right insurance for Costa del Sol?
Speak with our English-speaking team about your specific needs in Costa del Sol. We'll compare quotes from multiple insurers and find the best fit for you.