Home insurance in Spain
Buying or renting a property in Spain? Then home insurance isn’t just a good idea, it’s a requirement in most cases. And yet, many expats sign policies they don’t fully understand. Wrong coverage, wrong values, wrong name on the contract. Until there’s a fire, water damage, or break-in. And then it’s too late.
We help you get the right home insurance, in your language, with solid Spanish insurers. Whether you need to protect your belongings, your building, or both, we’ll tell you what’s needed and arrange it properly. Contact us today.
5-star insurance advice - for when it really matters
Transparent pricing
Curious what your home insurance would cost?
Click “Get quote” to receive a personalised offer in two minutes. No obligations, no surprises.
Standard coverage
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Home structure and basic contents
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Includes:
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Fire damage
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Water damage
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Natural events
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Civil liability
Medium coverage
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Everything from basic +
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Higher coverage
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Home assistance services
Premium coverage
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Everything from medium +
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Extended coverage
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Higher insured limits
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Premium assistance
* Premiums shown are indicative. Final premium depends on your situation.
We make home insurance simple
We help homeowners, landlords and tenants in Spain get home insurance that works. You tell us the situation and we tell you what’s needed, what’s not, and arrange everything.
No vague terms. No unclear limits. You will receive proper coverage and peace of mind.
- No Spanish paperwork
- No guessing what’s included
- No hassle when something goes wrong
You get clear advice from someone who knows the rules and if you go ahead, we handle it all: the policy, the paperwork, the contact with the insurer, even the claims process.
Home insurance FAQ
Not by law, but in practice, yes.
If you have a mortgage, your bank will require buildings insurance (at a minimum).
And even without a mortgage, most property owners choose insurance to cover damage, liability, or theft.
Building insurance covers the structure: walls, roof, floors, pipes, built-in fixtures.
Contents insurance covers what’s inside: furniture, appliances, electronics, clothing, personal items.
We help you decide what you actually need, no unnecessary extras.
Yes, but you’re typically responsible for contents only, not the building.
Your landlord covers the building; you insure your belongings.
In some cases, policies also cover accidental damage you cause to the property.
Yes. We help clients insure holiday homes, vacant properties or second residences, even if they live abroad.
We’ll make sure the policy covers risks like water leaks, break-ins or squatters, depending on your situation.
Yes. There are specific landlord policies that cover both the building and things like:
Tenant damage
Non-payment
Legal expenses
We’ll help you set this up based on how you rent (long-term, short-term, tourist licence etc.).
Most standard home insurance policies cover:
Fire
Water damage (pipes, leaks)
Weather damage (storms, floods)
Break-ins and theft
Civil liability (damage you cause to others)
We’ll go through the details with you so you’re not left with “standard” that doesn’t suit you.
This depends on the insurer, but common exclusions are:
Damage from lack of maintenance
Wear and tear
Unoccupied properties (if empty for long periods without specific coverage)
Earthquakes or extreme weather (unless added)
We’ll point out anything that might affect your situation before you sign.
Yes, but it has to be realistic.
Underinsuring may reduce your payout after a claim. Overinsuring just raises your premium.
We help calculate the right amount so you’re properly covered without overpaying.
Let us know and we’ll adjust the policy. Many people forget this, and it causes problems during claims.
We’ll keep your coverage up to date, even if things change.
Yes, but high-value items often need to be listed separately.
We’ll check what needs to be declared and how to document it for the insurer.
Yes. Most insurers offer monthly, quarterly or annual payment plans.
We’ll show you all the options and what they cost.
We work with leading insurers in Spain: Mapfre, Allianz, Zurich en Asisa.
We choose based on what’s best for your property and risk profile, not based on commission.
You contact us — not a call centre.
We help you report the claim, deal with the insurer, and make sure the process runs smoothly.
Only the best is good enough
Allianz
Strong international coverage
Allianz is one of Europe’s largest insurers with over 100 million clients worldwide. Why people choose Allianz:
- Access to top private hospitals
- Coverage often includes dental, physio and mental health without add-ons
- English-language app and customer service, ideal for non-Spanish speakers
Zurich
Solid cover in and outside of Spain
Zurich offers straightforward policies with clear benefits and no fine-print confusion. Why people choose Zurich:
- Easy to choose between standard and premium cover levels
- Well-rated service and simple claims process
- Popular with families and long-term residents looking for clarity and structure
Mapfre
Spain’s largest homegrown insurer
Mapfre is Spain’s largest insurance company, with a massive medical network. Why people choose Mapfre:
- Wide national coverage, also in smaller towns
- Flexible reimbursement options (you choose the doctor, they reimburse up to 90%)
- Trusted by locals and expats alike
- Stable, reliable, efficient
Asisa
Spain’s largest private medical network
Asisa was founded by doctors and now runs Spain’s biggest network of clinics and hospitals. Why people choose Asisa:
- Access to 40,000+ doctors and 1,000+ clinics and hospitals
- 24/7 English-speaking helpline and telemedicine options
- “Hospital at home” care available in many areas
