Overseas holiday home insurance for your Spanish property — covering your villa, apartment or townhouse on the Costa Blanca whether you are in residence or back home in the UK, Netherlands or Norway. Generali policies arranged by Turner Insurance Specialists, Jávea. Free English-language quote — 966 461 625.
⚡ Quick Answer
Also known asHoliday home insurance Spain
Who needs itNon-resident property owners
Key featureUnoccupancy cover — up to 12 months empty
Typical cost€150–€600/year
NIE requiredNo
ProviderGenerali — English documents
Why Standard Spanish Home Insurance Is Not Enough
A standard Spanish seguro de hogar policy is written for a property that is regularly occupied. Most policies include a clause that voids cover if the property is left unoccupied for more than 30, 45 or 60 consecutive days without notifying the insurer. For a holiday home in Spain that sits empty for four to six months each year, this creates a serious coverage gap.
Overseas holiday home insurance solves this problem. The policy is specifically designed for properties left empty for extended periods — typically covering unoccupancy for up to 12 months without any notification requirement. Claims are paid the same way whether you were in residence or back home when the damage occurred.
What Overseas Holiday Home Insurance Covers
Buildings Cover
Structure — walls, roof, floors, permanent fixtures and fittings
Storm and tempest damage (including the DANA seasonal storms common on the Costa Blanca)
Valuables (jewellery, electronics) up to stated limits
Garden furniture and outdoor equipment
Swimming pool equipment (optional extension)
Liability and Additional Cover
Public liability — injury or property damage caused to third parties on your property
Loss of rental income — if a covered event prevents letting the property
Legal expenses — disputes with tenants, contractors, neighbours
Emergency travel — costs if a serious incident requires you to travel to Spain
Unoccupancy — full cover even when the property is empty for up to 12 months
Letting your holiday home? If you rent the property to guests, you need to declare this — it affects both the insurance premium and the type of liability cover required. We arrange holiday home insurance that includes short-term rental activity. Contact us on 966 461 625.
Overseas Holiday Home Insurance Cost
The cost of overseas holiday home insurance in Spain depends on rebuild value, property location and security measures. Approximate premiums:
Apartment (€80,000 rebuild value): from €150–€220/year
Townhouse (€130,000 rebuild value): from €220–€320/year
Villa (€200,000 rebuild value): from €280–€450/year
Larger villa (€350,000 rebuild value): from €400–€600/year
Properties with good security (alarm system, security grilles on ground floor windows) qualify for reduced premiums. Coastal properties within 500 metres of the sea carry a higher storm risk loading.
Frequently Asked Questions — Overseas Holiday Home Insurance Spain
Overseas holiday home insurance covers a property you own abroad that is not your main residence — typically a villa, apartment or townhouse used as a holiday retreat. It covers buildings damage (storm, fire, flood, burst pipes), contents, and public liability for anyone injured on the property. Unlike standard Spanish home insurance, overseas holiday home policies are designed for properties left empty for extended periods and often include cover for loss of rental income if you let the property.
Yes — a standard Spanish home insurance policy (seguro de hogar) assumes the property is regularly occupied. If your Spanish holiday home is left empty for more than 30 or 60 consecutive days (depending on the insurer), standard policies may not pay out on a claim. Overseas holiday home insurance includes unoccupancy cover, meaning the property is insured even when empty for months at a time. This is essential for British and Northern European expats who split their time between Spain and their home country.
Overseas holiday home insurance for a Spanish property typically covers: buildings (structure, roof, permanent fixtures), contents (furniture, appliances, personal belongings), public liability (injury or damage to third parties on the property), unoccupancy (the property is covered even when empty for 6-12 months), loss of rental income (if you rent the property and a covered loss prevents rental), legal expenses, and emergency travel costs if a serious incident requires you to return to the property. Optional extensions include swimming pool equipment, garden furniture, and enhanced contents cover for high-value items.
Overseas holiday home insurance for a Spanish property typically costs €150–€600 per year depending on the rebuild value of the property, location, security measures (alarm, window locks, secure doors), distance from the sea (coastal properties face higher storm risk), and whether you let the property. A typical Costa Blanca villa with a rebuild value of €200,000 would cost approximately €250–€400 per year. Adding loss of rental income cover increases the premium by 15–25%. Contact us on 966 461 625 for a specific quote based on your property.
Yes — overseas holiday home insurance is specifically designed for non-resident property owners. You do not need a Spanish NIE, Spanish residency, or a Spanish bank account to take out a policy. We arrange Generali holiday home insurance policies for British, Dutch, Irish, Norwegian and other European holiday home owners across the Costa Blanca. All documentation is provided in English and all communication is in English. The policy is a Spanish insurance contract that complies with Spanish law but is fully accessible to non-resident owners.
More questions?Contact us — free English-speaking advice — 966 461 625.