Question 1

What is home insurance in Spain — is it the same as house, property or household insurance?

Accepted Answer

Home insurance, house insurance, property insurance, household insurance, buildings & contents insurance and the Spanish seguro de hogar or seguro multirriesgo de hogar all refer to the same legally regulated Spanish product. The product covers continente (buildings), contenido (contents), responsabilidad civil (civil liability) and asistencia (24-hour assistance for plumbing, electrical, locksmith and glazing emergencies). The rules and cover are identical regardless of which English term you searched for.

Question 2

How do I get a home insurance quote in Spain?

Accepted Answer

Call our English-speaking team on 966 461 625 (Monday-Friday 09:30–15:00; 09:30–14:00 in July and August) or email info@turnerinsurance.es with the property address and postcode, build year, square meters of building (m²), number of bedrooms, your declared contents value, whether it's owner-occupied, second home or holiday let, and any security features (alarm, shutters, CCTV). We calculate the correct rebuild value for you using Colegio de Arquitectos cost-per-m² data and send a formal Generali Hogar quote within 30 minutes — often on the call. Prefer to start online? Send us the property details for a home insurance Spain online quote in English.

Question 3

Which is the best home insurance in Spain for expats?

Accepted Answer

For most British, Irish, Dutch and Norwegian Costa Blanca owners the strongest combination of price, cover and English-language claims is Generali Hogar Plus with the squatter legal-defence extension and 24-hour assistance. It includes €6,000 squatter legal defence (vs €3,000 on most competitors), buildings + contents + civil liability up to €1.5 million, and English documents and English claims through a Spanish broker. Mapfre and Mutua Madrileña are 5–10% cheaper but Spanish-only at claim time.

Question 4

How much does home insurance cost in Spain in 2026?

Accepted Answer

Typical 2026 prices on the Costa Blanca: a 2-bed apartment owner-occupied from €180–€280/year; a 3-bed villa worth €250k rebuild value from €320–€480/year; a 4-bed luxury villa worth €500k+ rebuild value from €520–€850/year; holiday-home premiums typically add 15–25% over standard residential. Contents-only renters cover from €90/year. Premiums vary by rebuild value, postcode, security features, claims history and unoccupancy days.

Question 5

How can I compare home insurance in Spain to find the best price?

Accepted Answer

Match the rebuild value, contents declared, cover level and excess across quotes. Most expat home-insurance comparison goes wrong because the rebuild value is inconsistently calculated — some quotes use purchase price (wrong), others use Colegio de Arquitectos figures (correct). Call Turner Insurance on 966 461 625 for a Generali Hogar benchmark with the correct rebuild value applied; you can then compare any other Spanish broker quote on identical terms.

Question 6

Is home insurance compulsory in Spain?

Accepted Answer

Home insurance is not legally compulsory in Spain for private homeowners, unlike car insurance. It is still strongly recommended. There is one clear exception. If your property is mortgaged, the lender will require buildings insurance for the full mortgage period. That is a 'seguro de hogar' with the bank named as beneficiary for the buildings sum. Communities of owners are different again. Under Ley 49/1960 the community buildings insurance is compulsory, and apartment owners pay for it through their community fees. That policy covers only the shared parts of the building. It does not cover the inside of your unit or your contents, so you still need your own policy. In practice, given the risk of fire, flood, theft and water damage from a neighbour's property, home insurance is essential rather than optional.

Question 7

What's the difference between 'continente' and 'contenido'?

Accepted Answer

'Continente' is the building itself — the structure, fixed installations (kitchen, bathroom fittings, fitted wardrobes, fixed flooring), heating, plumbing and electrics. 'Contenido' is the contents — furniture, appliances, clothes, electronics, paintings, jewellery. A buildings-only policy is fine for an empty rental flat that you don't furnish; a homeowner needs both. Apartments above the ground floor sometimes have lower contenido limits because flood and external theft risks are reduced.

Question 8

Should the buildings insurance amount be the price I paid for my villa?

Accepted Answer

No — and this is the single most common error British owners make. The buildings sum should be the rebuild cost ('valor de reconstrucción a nuevo'), which excludes the cost of the land itself. On a Costa Blanca villa, the rebuild cost is typically 50–70% of the purchase price, because much of what you paid was for the plot and location. Insuring at the purchase price results in years of overpaying premiums and never being able to claim more than the rebuild value at claim time. We help calculate the right figure for your property.

Question 9

What happens if I under-insure my home?

Accepted Answer

Under-insurance triggers the 'regla proporcional' (proportional rule) under Spanish insurance law. If your buildings sum insured is, say, 60% of the actual rebuild value and you have a partial-loss claim, the insurer pays only 60% of the claim. Some policies waive this rule up to a 20% under-insurance margin ('compensación de capitales'); we always recommend including this clause if available. The fix is to value the property correctly at inception and review annually.

Question 10

Are floods covered? What about the 2024 DANA?

Accepted Answer

Catastrophic floods, including DANA events like the November 2024 Valencia floods, are covered by the Consorcio de Compensación de Seguros — a state-backed body that pays out for extraordinary natural events. Spanish home insurance customers automatically have Consorcio cover bundled into their policy at no extra premium. The Consorcio paid out over €4 billion for the November 2024 Valencia floods. For routine local water ingress (a leaking pipe, a rainstorm coming through a damaged roof), your home insurer pays — not the Consorcio.

Question 11

Does my Spanish home insurance cover squatters (okupas)?

Accepted Answer

Yes if you specifically include 'cobertura de okupación' on the policy — this is now standard on most Generali home policies. Squatter cover typically pays for: legal fees to evict the squatters (often €5,000–€20,000), repairs to damage they caused, locksmith costs, and in some cases alternative accommodation if you cannot occupy your home. Squatter cover does not normally apply to short-term holiday lets that have overstayed — that is a contractual rather than criminal matter and requires separate legal action. For the full picture, read our Squatters' Rights in Spain homeowner guide — the eviction process step by step with timings, and a 13-row chart of exactly what the HU2 policy pays at each stage.

Question 12

I rent my villa as a holiday let — am I covered?

Accepted Answer

You must declare to the insurer that the property is operated as a 'Vivienda de Uso Turístico' (VUT) — short-term holiday rental. Standard residential policies often exclude or limit cover while paying guests are in the property. There are specific tourist-rental policies that include wider third-party liability (for guest injuries), accidental damage caused by guests, and loss of rental income after an insured event. Failing to declare commercial use is one of the main reasons claims are declined on Costa Blanca holiday homes.

Question 13

Do I need to live in the property year-round?

Accepted Answer

No, but you must tell the insurer if it is a holiday home or second residence. Properties unoccupied for long stretches have higher theft and water-damage risks and require either a specialist 'segunda residencia' policy or an unoccupancy clause on the standard policy. The unoccupancy clause typically requires that you turn off the water at the mains, set the heating to a frost-protection setting in winter, and have the property visited at minimum intervals (often every 30 days). Failing to comply can void cover.

Question 14

What about damage from a leaking pipe at the upstairs neighbour?

Accepted Answer

If water from an upstairs neighbour damages your apartment, Spanish law makes the upstairs neighbour liable. Their home insurance pays for your damage; if they are uninsured, you can claim from your own insurer who then pursues the neighbour. The community insurance covers leaks originating in shared pipes (those serving the whole block). It is essential that all owners in a community have personal home insurance — a single uninsured neighbour can cost everyone else considerable hassle when leaks occur.

Question 15

Is third-party liability ('responsabilidad civil') included as standard?

Accepted Answer

Yes — most Spanish home policies include 'Responsabilidad Civil Familiar' (family liability) as standard, with cover usually €150,000 to €600,000. This protects you if a member of your household — including your dog (separately under Ley 7/2023) — accidentally causes injury or damage to a third party anywhere in the world. It covers the kids breaking a window with a football, your dog biting another visitor, a guest tripping on your stairs, etc. Limits can be increased to €1m+ for a small additional premium.

Question 16

What about damage to swimming pools, garden equipment and boundary walls?

Accepted Answer

Outdoor structures (swimming pool, terrace, paths, garden walls, gates, BBQ areas) are usually covered under buildings 'continente' if they are within the property boundary, with sub-limits. Garden furniture, ride-on lawn mowers, BBQs and pool equipment are usually under contents 'contenido' as 'enseres' (chattels in the open). Theft of garden furniture is generally not covered — it has to be securely locked away. Specialist Costa Blanca pool/garden cover is available where standard limits are inadequate.

Question 17

What is theft cover and what counts as forced entry?

Accepted Answer

Spanish home theft cover requires evidence of forced entry ('robo con fuerza en las cosas') — broken locks, smashed glass, damaged door frames. Theft from an unlocked door, or by someone you let in (a tradesperson, cleaner, dog walker), is not covered as theft. Theft of cash, jewellery and watches is typically capped at a low aggregate sum (€1,500-€3,000); higher values must be specifically declared and may need to be locked in a fitted safe to be insured.

Question 18

What's covered if I'm renting — is landlord or tenant insurance my responsibility?

Accepted Answer

The landlord insures the building; the tenant insures their own contents and their tenant's liability. Many Spanish leases require tenants to hold a 'Seguro de Inquilino' covering the tenant's contents plus damage they cause to the property and to the landlord's contents. If you're a landlord, ask for proof of the tenant's policy at the time of signing and make renewal a tenancy condition. Specialist landlord cover also includes legal expenses for non-payment of rent.

Question 19

What is the consorcio compensation in detail?

Accepted Answer

The Consorcio de Compensación de Seguros covers damage from 'extraordinary risks': floods exceeding 40 litres/m²/hour, earthquakes, volcanic eruptions, atypical cyclonic storms (winds exceeding 120 km/h), terrorism, riots, and meteor impact among others. Funded by a small levy on every insurance policy in Spain (around 0.025% of insured sums), it sits as a state-backed safety net. After a Consorcio event, you submit the claim through your insurer — they investigate, then route the documentation to the Consorcio for payment.

Question 20

Are storms and fallen trees covered?

Accepted Answer

Yes — storm damage (high winds, hail, falling debris) is standard buildings cover. A neighbour's tree falling onto your property: their home insurance liability pays if they were negligent (rotted, untrimmed, known dangerous); if it was a 'fuerza mayor' storm event, your own insurance pays under the storm peril. Fallen trees from common areas in a community are paid by the community insurance. Damage from your own trees falling: usually your own building/contents policy.

Question 21

Are art, jewellery and high-value items covered?

Accepted Answer

Standard contents cover includes a small overall sub-limit on jewellery, watches, art and collectibles (typically 20-30% of the contents sum or a fixed cap of €3,000-€8,000). Higher-value individual items must be specifically declared on a schedule with valuations from a recognised appraiser, and may need photographs. Items kept in a locked fitted safe attract a higher limit. Items worn outside the home (jewellery on holiday, watches at the gym) need 'all risks worldwide' extension.

Question 22

What's the legal expense cover I see on home policies?

Accepted Answer

'Defensa Jurídica' or legal expenses cover funds your legal representation in disputes such as: claims against neighbours over damage, defending claims brought against you, disputes with tradespeople over poor work, consumer disputes, and inheritance cases. Cover limits are usually €600 to €3,000 per claim. It is one of the most useful additions on Spanish home policies because Spanish litigation is slow and lawyer fees are not recoverable from the losing side in most cases.

Question 23

How do I make a claim?

Accepted Answer

Contact our office as soon as possible — there is a 7-day legal deadline under the Insurance Contract Law to notify the insurer. We open the claim the same day, brief the insurer, and if needed arrange an emergency tradesperson to mitigate further damage (a leak that's still running, broken windows). The insurer assigns a perito (loss adjuster) who attends the property within 3–7 days to assess the damage. Settlement typically takes 30-60 days from full documentation.

Question 24

I'm building / extending — what extra cover do I need?

Accepted Answer

Building works create exposures not covered under a standard home policy: third-party injury to workers, accidental damage caused by the works, theft of materials on site, and (for new builds and significant extensions) the 10-year structural warranty 'Seguro Decenal' that is legally required by the LOE law. We arrange specific 'Todo Riesgo Construcción' cover for the construction period, and Decenal at completion. Works lasting under 30 days can sometimes be added to the existing policy as an extension.

Question 25

Do I need a building survey or technical report to insure my home?

Accepted Answer

For most residential properties, no — we issue cover based on declared age, construction type, size and contents value. Older traditional builds with stone walls or cane ceilings, properties with historic or wooden roof beams, or unusual constructions may require an inspection. Properties valued over €1m almost always need a survey. We let you know upfront whether one is needed.

Question 26

How much does home insurance cost in Spain?

Accepted Answer

Home insurance in Spain costs between €150 and €600/year for a typical expat property on the Costa Blanca, depending on the rebuild value of the building, the contents insured, location and cover level. A 3-bedroom villa in Javea or Moraira with a rebuild value of €250,000 and €30,000 contents typically costs €220–€350/year for a comprehensive policy. Key factors that affect premium: location (coastal areas and flood plains cost more), property age (older properties may have higher loadings), swimming pool (adds liability exposure), and whether the property is permanently occupied or a holiday home. Always insure on rebuild value — not market value — to avoid the regla proporcional penalty.

Question 27

What is the 'regla proporcional' and how does it affect my claim?

Accepted Answer

The regla proporcional is one of the most important concepts in Spanish home insurance — and one of the most commonly misunderstood. Under Article 30 of Ley 50/1980, if your property is under-insured (the sum insured is less than the actual rebuild value), the insurer will only pay the same proportion of any claim. Example: a villa with a rebuild value of €300,000 insured for only €150,000 (50%) — if fire causes €100,000 damage, the insurer pays €50,000 (50% of the claim). This is not a penalty the insurer invents — it is written into Spanish law. The solution is to insure at the correct rebuild value, which we calculate for you at quotation stage.

Question 28

What holiday home insurance do I need in Spain?

Accepted Answer

Holiday home insurance in Spain is a specific type of home insurance for properties not permanently occupied. Standard home insurance policies typically require the property to be occupied at least once every 30–60 days — holiday homes sitting empty for months at a time need a specific unoccupancy endorsement or a dedicated holiday home policy. Holiday home insurance in Spain covers the building structure, contents, civil liability and extended theft cover for unoccupied periods. If your Costa Blanca property is a holiday home or you only visit seasonally, always declare the occupancy status when taking out the policy — failing to do so is one of the most common reasons claims are reduced or declined.

Question 29

Do I need holiday home insurance in Spain?

Accepted Answer

Yes — if your Spanish property is a holiday home or is unoccupied for long periods, you need either a standard policy with an unoccupancy endorsement or a dedicated holiday home insurance policy in Spain. Standard home insurance policies typically require occupation at least once every 30–60 days. Holiday home insurance Spain covers the building, contents, civil liability and extended theft cover for unoccupied periods. If your Costa Blanca property sits empty for months at a time, always declare this when applying — failing to do so is the most common reason claims are reduced in Spain.

Question 30

How much is home insurance in Spain?

Accepted Answer

Home insurance in Spain costs between €150 and €600/year for a typical expat property, depending on rebuild value, contents value, location and cover level. As a guide for properties in the Costa Blanca area: a small apartment or townhouse with €150,000 rebuild value and €15,000 contents typically pays €150–€220/year; a three-bedroom detached villa with €250,000 rebuild value and €30,000 contents typically pays €220–€350/year; a large villa with pool, €400,000 rebuild value: €320–€500/year. The most important factor is insuring on rebuild value (coste de reconstrucción) rather than market value — insuring on market value leads to the regla proporcional underinsurance penalty. We calculate the correct rebuild value for your property at no cost when preparing your quote — call 966 461 625.

Question 31

Is home insurance mandatory in Spain?

Accepted Answer

Home insurance is not legally compulsory in Spain for owner-occupiers — but it is required by all Spanish mortgage lenders (bancos and cajas) as a condition of the loan, and the bank will typically require at least buildings cover (continente) equal to the rebuild value of the property. If you own your Spanish property outright without a mortgage, you are not legally required to hold home insurance — though it is strongly advisable given the cost of property damage, civil liability claims from neighbours and the DANA flooding risk on the Mediterranean coast. For tenants in Spain, buildings insurance is the landlord's responsibility; contents insurance is the tenant's choice. Home insurance in Spain in English is available through Generali — all policy documentation, correspondence and claims handling in English.

Question 32

How does Generali home insurance in Spain compare to Mapfre, Allianz, AXA and Línea Directa?

Accepted Answer

The main home insurance providers in Spain are Generali, Mapfre, Allianz, AXA, Línea Directa, Zurich and Caser. Mapfre is the largest Spanish home insurer by market share but primarily serves Spanish-speaking clients. Línea Directa is a direct insurer without broker support — no English-speaking advice. Allianz and AXA have international networks but limited English-language claims handling in Spain. Generali is the only major provider offering full home insurance in Spain in English. English documentation, English-speaking agents in Javea, and English claims support when you need it most. Home contents insurance (contenido) is included in all Generali combined policies. We also include civil liability as standard, and can add legal expenses, key cover and personal accident extensions.

Question 33

What is the best home insurance in Spain for expats?

Accepted Answer

The best home insurance in Spain for expats combines buildings cover, home contents insurance in Spain and liability in one policy — with English documentation and English claims support. The best home insurance companies in Spain for expats are Generali, Mapfre and AXA. Turner Insurance arranges Generali home insurance for expats in Spain across the Costa Blanca — all in English, from the initial quote to claims handling. Home insurance for expats in Spain from Generali covers the full range of risks relevant to the Costa Blanca: storm and DANA flood damage, subsidence, fire, theft and civil liability. Compare home insurance in Spain options free — call 966 461 625.

Question 34

Is home insurance mandatory in Spain for homeowners and tenants?

Accepted Answer

Home insurance is not legally mandatory in Spain for most homeowners — unlike some European countries. However, if your property has a Spanish mortgage, your lender will require at minimum buildings insurance (seguro de hogar continente) as a condition of the loan. For community properties (apartments and urbanisations), community insurance is compulsory under the Ley de Propiedad Horizontal — though this covers common areas only, not individual apartments. For tenants: are tenants obliged to get home insurance in Spain? No — contents insurance is not legally required for renters, though landlords often require it as a condition of the rental contract. Is home insurance needed when renting in Spain? We recommend it — your landlord's policy will not cover your personal belongings.

Question 35

What does home contents insurance in Spain cover?

Accepted Answer

Home contents insurance in Spain covers your personal belongings and moveable property inside the home — furniture, appliances, electronics, clothing, valuables and personal items. A standard contents policy pays to repair or replace items up to the stated contents sum insured. Key items for expats in Spain to include: high-value electronics, jewellery (often subject to a sub-limit — declare individually), art and antiques, outdoor furniture and pool equipment. Home contents insurance in Spain from Generali can be taken as a standalone policy or combined with buildings cover. The cheapest home insurance in Spain for contents-only starts around €120–€180/year for a typical apartment.

Question 36

What is second home and holiday home insurance in Spain?

Accepted Answer

Second home insurance in Spain and holiday home insurance in Spain covers a property that is not your main residence — a vacation property, investment property or home used seasonally. Insurance for holiday homes in Spain differs from standard home insurance because the property may be left unoccupied for extended periods. Standard Spanish home insurance policies include clauses that reduce or void cover if the property is empty for more than 30–60 consecutive days. Second home insurance in Spain includes extended unoccupancy cover — typically up to 90 days or 12 months depending on the policy. If you also rent the property, you need a landlord endorsement. Turner Insurance arranges holiday home insurance in Spain and second home cover for British, Dutch and Norwegian expats across the Costa Blanca — see also our dedicated overseas holiday home insurance page.

Question 37

How do I compare home insurance in Spain?

Accepted Answer

To compare home insurance in Spain, you need to compare: buildings rebuild value cover, contents sum insured, liability limits, excess amounts, unoccupancy conditions, and claims service. Online comparison sites in Spain (Rastreator, Acierto) operate in Spanish and may not include expat-oriented policies. Comparing home insurance in Spain in English is simpler through Turner Insurance — we compare Generali products against the market, explain the differences in plain English, and recommend the best value for your property type and situation. Home insurance in Spain compare quotes are free and there is no obligation. Call 966 461 625 or use our contact form.

Question 38

What is buildings insurance in Spain?

Accepted Answer

Buildings insurance Spain (seguro de continente) covers the physical structure of your property. That means the walls, roof, floors and fixed installations. It also covers the pool, boundary walls and any outbuildings. It does not cover your furniture or belongings, which is contents cover (contenido). Buildings insurance in Spain is not compulsory by law. Spanish mortgage lenders do require it for the full term of the loan. The sum insured must be the rebuild cost, not the market value.

Question 39

Does community insurance replace buildings insurance in Spain?

Accepted Answer

No. The community policy covers the shared parts of the block only. It pays for the roof, outside walls, stairwell, lift and communal pipes. You still need your own buildings insurance in Spain for everything inside your front door. That includes the fitted kitchen, bathroom fittings, internal walls, flooring and your terrace. Community insurance is compulsory under Ley 49/1960. Your own continente cover is not, unless the property is mortgaged.

Issue	UK home policy (kept after moving)	Spanish policy (Generali Hogar)
DANA / catastrophic flooding	Not covered — UK policies don't know what the Consorcio is	Automatically triggers Consorcio de Compensación — paid by state guarantee
Squatter (okupa) legal cover	Not a feature of UK policies	Standard on Generali Hogar — legal costs up to €6,000 for eviction
Holiday-home unoccupancy	UK policies typically void cover after 30 days unoccupied	Up to 180 days vacancy accepted — essential for seasonal Costa Blanca properties
Claims handling language	UK insurer, UK call centre — no Spanish adjuster on site	We manage the claim in English; Generali's Spanish peritos attend in person
Mortgage lender requirement	Spanish banks will not accept a UK policy	Accepted by all Spanish lenders — issued with bank assignment clause

Cover level	What is included	Best for
Buildings only	Structure, walls, roof, fixed fittings and outbuildings — no contents	Buy-to-let investors and landlords
Buildings + Contents	All Buildings cover plus furniture, appliances, clothing and personal items	Main residence owners
All-risks	Buildings, contents, plus jewellery, art, valuables and accidental damage	High-value properties and second homes
Holiday home	Up to 150 days unoccupied cover, buildings and contents, weather damage	Second homes and holiday properties on the Costa Blanca

Cover & benefit	PlusMost popular	PremiumAll-risks
Buildings cover (continente)	✓	✓
Contents cover (contenido)	✓	✓
Fire, smoke, lightning & explosion	✓	✓
Storm, flood & weather damage	✓	✓
Water damage & pipe leaks	✓	✓
Theft inside the home	✓	✓
Civil liability (RC familiar)	✓	✓
Legal defence (defensa jurídica)	✓	✓
24/7 home emergency assistance	✓	✓
Locksmith, plumber & electrician callouts	✓	✓
Glass, mirrors & sanitary ware	✓	✓
Electrical surge / appliance damage	✓	✓
Garden furniture & outdoor plants	✓	✓
Theft outside the home (contents away)	✓	✓
Accidental damage (clumsy / DIY) (optional on both)	ADD-ON	ADD-ON
Bicycles outside the home (civil liability only — bike not insured away from home)	—	—
IT equipment & portable electronics	ADD-ON	✓
Jewellery & valuables (20% of contents sum insured, standard on both)	✓	✓
Holiday home / extended absence cover	ADD-ON	✓
Loss of rental income (landlord)	ADD-ON	ADD-ON
Pest control / vermin damage	ADD-ON	✓

Feature	Generali Hogar Premium	AXA Hogar Plus
Holiday / second home accepted	Yes — main, holiday or rental	Yes (with surcharge)
Maximum unoccupied period	30 days (standard) / 180 days (declared holiday home)	90 days/year
Squatters / okupas legal cover	Optional add-on, up to €6,000	Optional add-on, up to €3,000
Excess water consumption cover	Up to €1,000 — even with no damage	Up to €500
Jewellery automatic cover	20% of contents sum	15% of contents sum
24-hour home emergency	Plumbers, locksmiths, electricians, glaziers	Plumbers, locksmiths, electricians
Liability cover	Up to €1,000,000	€600,000 standard
English-speaking claims handling	Yes via Turner Insurance	Limited
Premium 100m² Marina Alta home	~€280–€420/year	~€310–€460/year

Feature	Generali Hogar Premium	Mapfre Hogar Plus	Mutua Madrileña Hogar Plus
Buildings + contents combined	Yes	Yes	Yes
New-for-old contents settlement	Yes	Yes	Yes
Liability cover	Up to €1,000,000	€600,000 (€1M optional)	€600,000
Annual claim cap	Unlimited (subject to policy sum)	Unlimited	Unlimited
Holiday/second-home rates	Same as main home	+15% surcharge	+10% surcharge
24-hour emergency response time	<60 min target	<90 min target	<90 min target
Premium 120m² standard home	~€340/year	~€370/year	~€380/year

Home Insurance in Spain: Buildings & Contents Cover

Home Insurance in Spain — Key Points

Home Insurance in Spain. Key Facts, Limits & Exclusions

Legal framework

Buildings vs contents — what each covers

Extraordinary risks: the Consorcio

Standard exclusions

Holiday homes, rentals and unoccupancy

House Insurance in Spain: What Changes When You Move From a UK Policy

Home Insurance in Spain in English

Key Points

Buildings Insurance Spain (Continente Cover)

Buildings Insurance in Spain for Apartments and Communities

Buildings-Only Insurance in Spain for Landlords and Mortgages

Contents Cover (Household Insurance)

Renters Insurance in Spain (Tenant Contents Cover)

Get Insurance for Your Home in Spain. Quick Quote

Home Insurance Cover Levels

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Insurance for Your Home in Spain. Compare Tiers

Approximate Home Insurance Pricing

Frequently Asked Questions. Home Insurance in Spain

Best Home Insurance in Spain for Expats. Cost and Options

Cost of Home Insurance in Spain

How This Compares to the Competition

Generali Home Insurance for Expats vs AXA Hogar

Generali Home Insurance vs Mapfre Hogar and Mutua Madrileña

Sources & References

Get a Home Insurance Quote in Spain

Home Insurance Across Spain