Home Insurance Lanzarote

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Home insurance in Lanzarote for expat property owners. Volcanic terrain, strong Alisios winds, and unique island construction make specialist Canary Islands cover essential. Turner Insurance arranges Generali home policies in English.

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Home Insurance in Lanzarote — Generali Cover

Lanzarote is one of the most popular destinations for British expat property owners in the Canary Islands. Homes range from traditional whitewashed villas in Yaiza and Haría to modern apartments in Puerto del Carmen and coastal properties in Playa Blanca. Generali home insurance covers buildings, contents, and third-party liability for all residential property types on the island.

Lanzarote falls under the Canary Islands special tax regime — IGIC rather than mainland IVA — and property insurance premiums are subject to IGIC. Turner Insurance arranges home policies designed for Canary Islands residents, with English-speaking service and full Spanish documentation supplied at inception.

Home Insurance Lanzarote — Local Considerations

Lanzarote properties have specific construction characteristics. Many feature volcanic picón stone walls for thermal insulation, flat roofs with traditional water-collection cisterns (aljibe), and low-set architecture designed for the persistent Alisios trade winds. Rebuild values must account for these specialist construction methods, which differ significantly from mainland Spanish properties.

Lanzarote is a UNESCO Biosphere Reserve and some areas carry strict planning restrictions on alterations and extensions. Any building work requires approval from Cabildo de Lanzarote and must comply with protected-area regulations. This affects rebuild costs and timescales — factors relevant to setting the correct insured capital on your home policy.

How to Get a Quote

Call or email us — 966 461 625 or info@turnerinsurance.es — Monday to Friday, 09:30–15:00.
Tell us your situation — we ask a few quick questions about what you need to insure.
We compare options — as authorised Generali agents we present the plans that match your needs and budget.
Your policy is set up — we arrange everything and send your English-language documents promptly.

Approximate Home Insurance Pricing — Lanzarote

Annual premiums for a typical Spanish property in the area:

Standard Cover

from €280/yr

Buildings cover
Contents cover
Third-party liability
Consorcio natural catastrophe activation

Frequently Asked Questions — Home Insurance in Lanzarote

The core coverage is similar — buildings, contents, liability, and Consorcio activation — but Canary Islands policies reflect local construction types (flat roofs, lava-stone walls), different rebuild cost structures, and the IGIC tax regime rather than mainland IVA. Turner Insurance ensures your policy is correctly configured for Lanzarote.

Wind damage is a standard included peril in Generali home insurance policies. Lanzarote experiences persistent Alisios trade winds that can cause roof, patio furniture, and structural damage. If storm-force winds cause damage to your property, you can make a claim through your home insurance policy.

Yes. The Consorcio de Compensación de Seguros applies throughout Spain including the Canary Islands. It covers extraordinary events such as volcanic eruptions, earthquakes, and exceptional flooding. Your home insurance policy must be in force at the time of the event for Consorcio cover to activate.

More questions? Contact us — free English-speaking advice: 966 461 625.

Home Insurance Lanzarote — Get a Free Quote

GENERALI HOME INSURANCE · LANZAROTE · FREE ENGLISH ADVICE

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