What about squatters — is there cover if my Lanzarote home is occupied while I am abroad?

Squatter occupation (okupacion) is a real and growing risk in Spain, particularly on empty holiday homes. A standard holiday-home policy may not cover the legal costs of removal. We add the defensa juridica antiokupacion rider which funds the eviction proceedings, plus practical measures: alarm-system requirements, neighbour notification, smart-meter monitoring. See our squatters guide for full background.

Holiday Home Insurance Lanzarote

Q: Does standard home insurance cover an empty Lanzarote holiday home?

No - standard seguro de hogar contracts include an unoccupancy clause that suspends or reduces cover after 60 or 90 consecutive days of vacancy. For a Lanzarote holiday home that sits empty across brief shoulder weeks, you specifically need a holiday-home (vivienda secundaria) policy with an extended-unoccupancy endorsement, water-leak detection requirements (we will explain the practical install) and an empty-property burglary uplift. Generali's holiday-home policy is built around exactly this need.

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Overseas holiday home insurance for second-home owners in Lanzarote — empty-property cover beyond the standard 60/90-day clause, anti-squatter legal cover, tourist-rental endorsement and 24-hour assistance. Generali cover arranged in English from our local office in Jávea, for owners across Canary Islands (Islas Canarias).

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Holiday Home Insurance in Lanzarote — Built for Empty Properties

Standard Spanish home insurance is written for owner-occupied vivienda habitual (main residence) homes — the unoccupancy clauses that cap cover at 60 or 90 days of vacancy are the headline pitfall for second-home owners. For a Lanzarote holiday home that sits empty across the off-season, you need a vivienda secundaria (second-residence) policy with extended-unoccupancy cover, anti-squatter legal cover and, where applicable, a tourist-rental endorsement. We arrange this for expat owners across Lanzarote and the wider Canary Islands (Islas Canarias) — in English, with our office based in Jávea.

Whether your Lanzarote home is your own retreat, a family base, or a let property on Airbnb / Booking / Vrbo, the cover structure changes: each pattern needs different liability limits, different unoccupancy treatment and different schedule wording. We confirm the use case at quote stage and write the policy to match.

Holiday Home Market & Risk Profile — Lanzarote

The holiday-home property market in Lanzarote is shaped by its buyer profile: British, German and Northern European. The local stock is best characterised as Playa Blanca and Costa Teguise apartments and villas; Cesar Manrique-influenced design throughout. Peak occupancy runs year-round, with most second homes empty across brief shoulder weeks — the underwriting consequence of that vacancy window is the single most important conversation we have with Lanzarote owners.

The local risk pattern in Lanzarote revolves around volcanic background; calima sandstorms; salt corrosion; design-protected exterior modifications restricted. On the rental side, active Vivienda Vacacional market; strict enforcement of Manrique heritage rules on exterior changes; if you let your Lanzarote home short-term, the policy needs the tourist-rental endorsement — standard holiday-home cover excludes commercial letting by default. We always confirm whether you let or not before quoting.

How to Get a Holiday Home Quote in Lanzarote

Call 966 461 625 or email info@turnerinsurance.es — our English-speaking Generali team covers Holiday Home Insurance in Lanzarote, across Canary Islands (Islas Canarias) and the rest of Spain, Monday to Friday 09:30–15:00. For a quote we will need: built m², plot m² if villa, year of build, current rebuild value, max consecutive empty days expected, and whether you let short-term. You can also request a quote online and we will reply the same working day.

Approximate Holiday Home Pricing — Lanzarote

Indicative annual premiums for a 150–200 m² second-residence property in Canary Islands (Islas Canarias):

Vivienda Secundaria Esencial

from €320/yr

Continente (buildings) + contenido
Extended unoccupancy (no 60/90-day clause)
Family civil liability
24-hour home assistance

Frequently Asked Questions — Holiday Home Insurance in Lanzarote

No — standard seguro de hogar contracts include an unoccupancy clause that suspends or reduces cover after 60 or 90 consecutive days of vacancy. For a Lanzarote holiday home that sits empty across brief shoulder weeks, you specifically need a holiday-home (vivienda secundaria) policy with an extended-unoccupancy endorsement, water-leak detection requirements (we will explain the practical install) and an empty-property burglary uplift. Generali's holiday-home policy is built around exactly this need.

Standard holiday-home cover excludes commercial letting. If you let your Lanzarote property short-term via Airbnb, Booking, Vrbo or any tourist-rental platform, you need the tourist-rental (alquiler turístico / VUT) endorsement, which extends third-party liability to your tenants and covers tenant-caused damage. You will also need to ensure your local registration is in order — active Vivienda Vacacional market; strict enforcement of Manrique heritage rules on exterior changes. We can arrange both the cover and a referral to our co-operating tourist-rental compliance advisers.

Squatter occupation (okupación) is a real and growing risk in Spain, particularly on empty holiday homes. A standard holiday-home policy may not cover the legal costs of removal. We add the defensa jurídica antiokupación rider which funds the eviction proceedings, plus practical measures: alarm-system requirements, neighbour notification, smart-meter monitoring. See our squatters guide for full background.

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