Home Insurance in Spain for Expats
Buildings, contents and holiday home cover for expats on the Costa del Sol — arranged in English by independent brokers who know the Spanish market.
What Type of Home Insurance Do You Need?
Spanish home insurance is typically split into distinct categories. Understanding the difference matters — because a policy that covers one does not automatically cover the other.
Buildings Insurance (Seguro de Continente)
Buildings insurance covers the physical structure of your property — the walls, roof, floors, fixed installations and permanent fixtures. If you have a Spanish mortgage, your lender will almost certainly require buildings insurance as a condition of the loan.
- Fire and explosion
- Storm, flood and water damage
- Subsidence and earth movement
- Accidental damage to the structure
- Glass breakage (windows, skylights)
- Electrical damage and power surges
- Third-party liability for injury on your property
Contents Insurance (Seguro de Contenido)
Contents insurance covers everything inside your home — furniture, appliances, clothing, electronics, valuables and personal possessions. It’s separate from buildings cover and worth considering even if you rent.
- Theft and burglary
- Fire and smoke damage
- Water and flood damage
- Accidental damage (on comprehensive plans)
- High-value items: jewellery, artwork, electronics (may need to be listed separately)
Community Insurance (Seguro de Comunidad)
If you live in an urbanisation, apartment complex or any building with shared areas, the community of owners is legally required to hold communal insurance. This covers shared spaces — the entrance, lifts, pool, gardens and exterior of the building. Important: Community insurance does not cover the interior of your individual property. You still need your own home insurance policy.
Holiday Home and Second Property Insurance
If your Spanish property is not your main residence — whether you use it for holidays, rent it out, or divide your time between Spain and the UK — you need a specialist policy. Standard home insurance is not designed for properties that are regularly unoccupied.
The unoccupancy clause: Most standard home insurance policies in Spain contain an unoccupancy clause — typically 30 to 60 consecutive days. If your property is left empty for longer than this without notifying your insurer, your cover may be suspended or voided. This is one of the most common — and costly — mistakes expats make.
- Extended unoccupancy cover (60, 90 or 180 days)
- Landlord liability (if you rent the property)
- Loss of rental income cover
- Legal protection for landlord-tenant disputes
- Emergency assistance if you’re not in the country
Renting your property on Airbnb or holiday rental platforms? You need a policy that specifically covers short-term holiday lettings. A standard home policy will not cover you for commercial rental activity. We can arrange the right cover.
Home Insurance Costs in Spain
Home insurance in Spain is generally affordable — often cheaper than equivalent UK policies. Indicative annual premiums:
| Property Type | Basic Cover (approx.) | Comprehensive (approx.) |
|---|---|---|
| Apartment (primary residence) | From €150/year | From €280/year |
| Villa / Detached house | From €250/year | From €500/year |
| Holiday apartment | From €200/year | From €350/year |
| Holiday villa | From €350/year | From €650/year |
Figures are indicative and depend on property size, location, rebuild value, contents value and claims history. Multiple policy discount: insuring your home and car through Segurient typically saves 10–15%.
Home Insurance in Spain — Frequently Asked Questions
Is home insurance compulsory in Spain?
Buildings insurance is required if you have a Spanish mortgage. Contents and holiday home insurance are not legally compulsory, but are strongly advisable. Community insurance for shared buildings is required by law at the community level.
My property is in a gated urbanisation — am I already covered?
Partially. The urbanisation’s community insurance covers shared areas and the exterior structure of the building. It does not cover the interior of your individual property, your contents, or personal liability within your home. You need your own separate policy.
I’m renting my apartment — do I need home insurance?
Your landlord is responsible for buildings insurance. You should arrange contents insurance for your own possessions. Some landlords also require tenants to hold liability insurance as part of the rental agreement.
What happens if my holiday home is burgled while I’m not in Spain?
With the right holiday home policy, you’re covered — subject to standard security conditions being in place at the time of the break-in. Standard home policies may deny a claim if the property was unoccupied beyond the period stated in the policy. This is why a specialist holiday home policy is important.
Do I need to declare high-value items separately?
Yes, in most cases. Jewellery, artwork, musical instruments and high-value electronics often need to be individually listed (and sometimes valued) to be fully covered. We’ll ask about high-value items when preparing your quote.
Can I pay monthly?
Most insurers offer monthly direct debit payment options. We’ll confirm payment options when presenting your quote.
Get a Home Insurance Quote for Your Spanish Property
Tell us about your property and we’ll come back to you with a clear comparison of your best options — usually within one working day. Everything handled in English.
Or WhatsApp: +34 650 160 711
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