Overseas landlord insurance for your rental property in Spain — covering buildings, landlord liability, loss of rental income and legal expenses. Generali policies arranged by English-speaking agents at Turner Insurance Specialists, Jávea. Free quote — 966 461 625.
⚡ Quick Answer
For whomNon-resident landlords with Spanish rental property
Key coversBuildings · liability · loss of rental income
Legal requirementLiability cover strongly recommended by law
Typical cost€200–€500/year
NIE requiredNo — passport number accepted
ProviderGenerali — English documents
Why Standard Home Insurance Is Not Enough for Landlords
A standard Spanish home insurance policy protects the property against physical damage — fire, flood, storm — but it does not cover you as a landlord. The key gaps are:
No landlord liability — if a tenant is injured due to a structural defect, you are personally liable without specific landlord cover
No loss of rental income — if fire or flood makes the property uninhabitable, you lose rental income with no compensation
No tenant damage cover — malicious or accidental damage by tenants is typically excluded from standard policies
No legal expenses — Spanish eviction proceedings (desahucio) and tenant disputes require legal representation
Overseas landlord insurance fills all these gaps in a single policy designed for non-resident Spanish property owners.
What Overseas Landlord Insurance Covers
Buildings Cover
Structure, roof, floors, walls and permanent fixtures
Fire, explosion, flood, storm and water damage
Subsidence and ground movement
Malicious damage including tenant-caused damage
Landlord Liability
Injury to tenants or visitors caused by property defects
Damage to neighbouring properties caused by your building
Tourist rental liability (for properties with a tourist licence)
Financial Protection
Loss of rental income — up to 12 months rental value if property is uninhabitable following a covered loss
Emergency travel — flights and accommodation if you must travel to Spain following a serious incident
Tourist rental licence in Valencia? If your Costa Blanca property has a licencia turística (VT registration), you have specific liability obligations under Valencian regional law. Our Generali landlord policies are structured to meet these requirements. Call 966 461 625 for advice.
Long-Term vs Tourist Rental — Which Insurance Do You Need?
The type of letting arrangement affects the insurance you need:
Long-term rental (12+ months): Standard landlord policy covers the full tenancy period. Lower risk, lower premium.
Yes — if you rent your Spanish property to tenants, a standard home insurance policy (seguro de hogar) does not cover landlord liability, loss of rental income, or tenant-caused damage. Overseas landlord insurance is specifically designed for non-resident property owners who let their Spanish property. It includes buildings cover, public liability as a landlord, loss of rental income if a covered event prevents tenants from occupying the property, and legal expenses for tenant disputes. Without landlord-specific cover, you are personally liable for injury to tenants or third parties on the property.
Overseas landlord insurance for a Spanish property covers: buildings (structure, roof, permanent fixtures — not tenant's belongings), landlord's liability (injury or damage to tenants or third parties), loss of rental income (if a fire, flood or other covered event makes the property uninhabitable), malicious damage by tenants, legal expenses (tenant disputes, eviction proceedings under Spanish tenancy law), and emergency travel costs if a serious incident requires you to fly to Spain. Contents cover for landlord's own furnishings is available as an optional extension.
Yes — overseas landlord insurance is designed specifically for non-resident property owners. You do not need Spanish residency, a Spanish NIE, or a Spanish bank account to take out a policy. We arrange Generali landlord insurance policies for British, Dutch, Irish and other European owners who let Spanish properties. All documentation is in English and all communication with Turner Insurance is in English. The policy is a valid Spanish insurance contract that satisfies your legal obligations as a landlord under Spanish law.
Under Spanish law (Ley de Arrendamientos Urbanos and the Spanish Civil Code), landlords have a duty to maintain the property in a habitable condition and are liable for injury or damage caused by defects in the property structure. If a tenant or visitor is injured due to a structural defect — a broken step, faulty balcony railing, defective roof — the landlord can be held personally liable for compensation. Landlord liability insurance covers these claims. Additionally, if you rent to tourists under the tourist rental licence regime, regional regulations in Valencia may require specific public liability cover.
Overseas landlord insurance for a Spanish property typically costs €200–€500 per year depending on the rebuild value, whether you let year-round or seasonally, and the level of contents cover included. Loss of rental income cover typically adds 15–20% to the base premium. A two-bedroom apartment let on a long-term basis would typically cost €200–€280/year. A villa let on a tourist licence would cost €320–€500/year due to the higher footfall and liability exposure. Contact Turner Insurance on 966 461 625 for a specific quote.
More questions?Contact us — free English advice — 966 461 625.
Get a Landlord Insurance Quote for Your Spanish Property