Holiday Home Insurance Spain

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.

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.

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 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)
• Fire, explosion and lightning
• Flood and water damage including burst pipes
• Subsidence and ground movement
• Malicious damage and vandalism
• Impact damage — vehicles, falling trees, falling aerials
• Swimming pool and garden — pool structure, pump, filtration, garden furniture and landscaping
• Breakage of sanitaryware and fixed glass — baths, basins, WCs and fixed glazing

Contents Cover

• Furniture, appliances and personal belongings
• Valuables (jewellery, electronics) up to stated limits
• Garden furniture and outdoor equipment
• Swimming pool equipment, pump and filtration

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
• 24-hour home emergency — call-out for plumbing, electrics, locks and storm damage while you are away

Optional Extensions

• Accidental damage — for buildings and contents (a foot through the ceiling, spilt paint)

Holiday Home Insurance Cost

The cost of 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.