Your home is often your largest single investment, and at the same time the place where you and your family live daily life. A good home insurance in Spain should protect the building itself, everything inside it and your personal liability towards others. We help you put together a policy that fits your specific property — apartment, townhouse or villa — and that works whether you live there year-round or use it as a holiday home.
What a home policy usually covers
- The building. Walls, roof, fixed installations, often including the pool and walls.
- Contents. Furniture, clothing, electronics and personal belongings.
- Water damage. Leaks, burst pipes and damage caused by neighbours.
- Fire, lightning and storm. Classic property protection.
- Theft and vandalism. Break-ins and damage from outside.
- Liability. If you or your property cause harm to someone else.
- Legal assistance. For disputes concerning the home, tenants or neighbours.
Permanent, seasonal or rental use
A Spanish home policy can usually be adapted to how the property is used. If you live in it year-round the premium and conditions are different from when it stands empty for large parts of the year, or is rented out to tourists. It is important that this picture matches reality in the policy — otherwise a claim may not be covered the way you expected. We make sure what is written matches your everyday.
The comunidad policy and your own
If you live in an apartment or townhouse, there is usually a shared policy for the exterior of the building through the comunidad. Your own home insurance then primarily needs to cover contents, the interior and your personal liability. We are happy to review the comunidad conditions alongside yours so there is neither a gap nor unnecessary overlap.
Get in touch for a simple review. Tell us about your home — size, year built, whether it is a permanent residence or holiday home — and what contents you have. Based on that we put together a reasonable proposal, both in price and coverage. The goal is that you can sleep well at night knowing you made a sensible choice for the home.