Insurance in Marbella for expats

High-value properties need specialist policies that go beyond standard home insurance. We work with insurers experienced in luxury property to provide accurate rebuild valuations, high-value contents cover (jewelry, art, designer furniture), and liability protection for pools, staff, and guests.

Standard policies may undervalue luxury or prestige vehicles. We recommend agreed-value policies that guarantee the insured amount in case of total loss. Additional options include specialist repair networks, courtesy car provision, and theft-prevention device discounts.

At minimum, you need third-party liability (required by Spanish law for all vessels). Comprehensive policies add hull damage, crew cover, salvage costs, and Mediterranean navigation zones. Cover levels depend on your vessel's size, value, and cruising area.

Marbella has several excellent private hospitals including Hospital Quirónsalud Marbella, HC Marbella International Hospital, Cenyt Hospital, and Hospital Costa del Sol. Premium health plans provide direct access to these facilities with English-speaking specialists.

Yes. If you employ cleaners, gardeners, pool maintenance, or security staff, you are legally required to register them with Social Security and should carry employer liability insurance. Your home policy should also cover staff injuries on your property.

Premiums reflect property value, not just location. A luxury villa in Marbella will cost more to insure than a standard apartment elsewhere due to higher rebuild costs, valuable contents, and additional features like pools and gardens. Accurate valuations help avoid both overpaying and being underinsured.

Yes, but standard home policies often have limits on individual valuable items. We arrange specialist high-value contents cover, or separate fine art and jewelry policies, that provide adequate protection. Formal valuations or appraisals may be required for items above certain thresholds.