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
Our home insurance range
Home Insurance by Property Type
Each option below is a Generali home policy arranged in English by our Jávea team — the highlighted card is the page you're on. Not sure which fits? Call 966 461 625.
Main Residence
Your permanent home — buildings, contents, family civil liability and 24-hour home emergency.
View main home cover →Holiday Home
A second home kept for your own use — unoccupancy cover for the months it sits empty.
View holiday home cover →Tourist Rental (VUT)
Short-term lets to paying guests (Airbnb, Booking.com) — compulsory guest liability + squatter legal defence.
View tourist rental cover →Long-Term Rental
Let to a resident tenant on a long lease — landlord liability, rental income and legal expenses.
✓ You're viewing thisWhy 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
Landlord insurance fills all these gaps in a single policy designed for non-resident Spanish property owners.
What 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
Contents — Furnished Lettings
- The landlord's own furniture, white goods and appliances supplied with the let
- Carpets, curtains, blinds, light fittings and fitted kitchen units
- Theft, fire and water damage to the items you own inside the property
- Optional accidental-damage cover for fixtures and landlord contents
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
- Legal expenses — tenant disputes, eviction proceedings, contractor disputes
- Emergency travel — flights and accommodation if you must travel to Spain following a serious incident
- Non-payment of rent (impago de alquiler) — optional rent-guarantee cover that pays the rent for an agreed period when a vetted tenant defaults, and funds the legal eviction
- Tenant referencing — solvency checks before the tenancy, which the rent-guarantee option requires
Tourist rental licence in Valencia? If your Costa Blanca property has a licencia turística (VUT / VT registration), it carries specific civil-liability obligations under Valencian regional law and needs a dedicated policy. See our Tourist Rental Insurance page, or 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.
- Short-term / tourist rental: Needs dedicated tourist rental insurance with the compulsory guest liability a VUT licence requires. Higher footfall means higher liability exposure.
- Mixed use (own use + rental): Property must be declared as both holiday home and rental. Both uses must be covered.
Frequently Asked Questions — Landlord Insurance Spain
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. 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.
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 — 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.
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
Also see: Home Insurance Spain · Holiday Home Insurance Spain · Tourist Rental Insurance · Life Insurance Spain
Cancellation rights. Annual contracts auto-renew under Ley 50/1980 Article 22. Cancellation requires at least one month's written notice before renewal.