Home Insurance in Spain for Expats: Buildings & Contents Cover

What Changes When You Move From a UK Policy

In Spain one policy — the seguro de hogar — holds the buildings, the contents and your civil liability. Cover starts from around €200 a year. We issue it in English as authorised Generali agents. The rules behind the wording are set out in our guide to how a Spanish home policy works.

A Spanish policy works differently from UK cover in several important ways. Properties on the Costa Blanca face risks that UK policies have never heard of: DANA flooding, Consorcio claims procedures, the regla proporcional under-insurance rule, and the squatter (okupa) problem. A locally-issued Spanish policy from Generali, arranged in English by our Javea-based team, covers all of these. It also resolves claims in Spain rather than from a UK call centre. Here is what changes for expat homeowners:

We arrange expat home insurance in Spain for British, Irish, Dutch, Norwegian and other European residents throughout the Costa Blanca and across Spain. Generali Hogar policies from €200/year, all documentation in English, and 24-hour emergency cover included. Get a free home insurance quote →

Buildings Cover (Continente)

Buildings cover (seguro de continente) insures the rebuild cost of the entire property: walls, roof, fixed fittings, pool, perimeter walls, terraces and outbuildings. For apartments, community insurance does not cover from your front door inwards. Our buildings policy fills that gap. Civil liability up to €1,000,000 included. The buildings sum must be set at rebuild value, not market value. Insuring at the wrong figure triggers the regla proporcional underinsurance penalty. We calculate the correct rebuild value for free when preparing your quote.

Apartments and community policies

Apartment owners often assume the community policy is enough. It is not. The community insurance covers the shared parts only. That means the roof, outside walls, stairwell, lift and communal pipes. Cover for your own flat starts at your front door.

Your continente sum has to cover the fitted kitchen and the bathroom fittings. It also covers internal walls, flooring and your private terrace. A leak into the flat below is your policy, not the community's. Read more on community insurance for Spanish blocks and urbanisations.

Buildings-only cover for landlords and mortgages

You can buy buildings cover on its own, with no contents. Landlords who let unfurnished do exactly that. So do owners who only need to satisfy a Spanish mortgage. The bank is named on the policy as beneficiary for the continente sum. The lender will want that cover in place for the whole term of the loan.

We set the buildings sum from the built area in square metres. The Colegio de Arquitectos publishes a cost per square metre for each province. That figure is what the buildings sum should be set at — not the price you paid.

Contents Cover (Contenido)

Contents cover — what British buyers usually call household insurance — insures everything inside the property, including the fitted kitchen. Settlement is new-for-old: we pay the full replacement cost as new today, not a depreciated value. It includes fire, smoke, power surge, flooding, theft and vandalism.

Two limits matter more than any others when you set the contents sum. Jewellery is covered automatically up to 20% of the contents sum insured, so a low contents figure quietly caps your jewellery cover as well; anything above that has to be declared separately. Theft cover also requires evidence of forced entry (robo con fuerza), so items left in the open — garden furniture in particular — are insured for storm and impact damage but need to be locked away to be insured against theft. Theft outside the home, garden furniture and outdoor plants are included on both tiers; IT equipment and portable electronics are standard on Premium and an optional extra on Plus.

Contents cover can also be taken on its own if you rent rather than own. The landlord insures the building, so only your own belongings and your liability as a tenant are yours to insure — and that is the whole of a renter's exposure in Spain.

Renters’ Cover (Tenant Contents)

Renters’ cover is a contents-only home policy in the tenant's name. You insure what you brought with you, not the building. That means furniture, clothing, electronics and valuables inside the flat. It also carries the tenant civil liability that Spanish leases usually ask for. That matters when a leak from your bathroom reaches the flat below. Contents-only renters cover starts from around €90 a year. You do not need to own the property to hold the policy. Ask us for a renters insurance quote on 966 461 625.

How to Get a Quote

1. Call or email us — ring 966 461 625 or email info@turnerinsurance.es. Our English-speaking team is available Monday to Friday, 09:30–15:00 (09:30–14:00 in July and August).
2. Tell us your situation. We will ask a few quick questions. What do you need to cover? The property's age, size and location, and any policies you already hold.
3. We compare options — as authorised Generali agents, we present the plans that match your needs and budget. No pressure, no obligation.
4. Your policy is set up — once you are happy, we arrange everything and send your certificate and English-language policy documents promptly.

Cover Levels

Plus vs Premium: Compare the Two Tiers

Our home insurance product is Generali Hogar Premium. It was formerly Liberty Hogar, now fully under the Generali brand following the 2024 acquisition. It comes in two escalating tiers. Pick the level that matches your property value, contents and the way you use the home.

⚠️ Indicative comparison only. Generali completed its acquisition of Liberty Seguros in January 2024 and finalised the legal integration in November 2025 — both ranges now operate under Generali España de Seguros y Reaseguros. Specific limits, excesses and add-on availability vary by policy, property and individual circumstance. Contact our team for a tailored quote and the latest schedule of cover.