Tourist rental insurance for your Spanish holiday let — the cover you are legally required to hold once your property is licensed as a vivienda de uso turístico (VUT). Whether you let through Airbnb, Booking.com, Vrbo or your own website, Generali policies are arranged by Turner Insurance Specialists, Jávea. Free English-language quote — 966 461 625.
⚡ Quick Answer
Also known asSeguro VUT · vivienda turística
Who needs itLicensed short-term let owners
Legally required?Yes — civil liability is compulsory
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.
Tourist Rental Insurance Is a Legal Requirement in Spain
If you let your property to tourists, civil-liability insurance is not optional. In the Comunidad Valenciana, Decreto 10/2021 — the regulation governing tourist accommodation — requires every vivienda de uso turístico to hold a civil-liability policy covering injury or damage to guests and third parties. You must declare this cover in your declaración responsable de inicio de actividad, the registration that activates your tourist licence.
The minimum sum insured scales with how many guests the property sleeps, and commonly runs from €150,000 to €2,000,000. Letting without it can mean your licence is suspended — and any liability claim (a guest injured on a faulty balcony, a fire that spreads to a neighbour) would fall entirely on you personally.
New national rule — since 1 July 2025: every short-term rental in Spain now also needs a unique national registration number (Número de Registro de Alquiler) from the Ventanilla Única Digital, issued through the Land Registry (Colegio de Registradores). It must appear on every listing — Airbnb, Booking.com, Vrbo and your own website — or the platform must remove it. This is in addition to your regional VUT licence.
VUT, VFT, HUT — What Your Licence Is Called
Tourist-letting licences are regulated regionally, so the name changes depending on where your property is — but the insurance obligation follows you wherever you let:
Comunidad Valenciana (Costa Blanca, Alicante, Valencia) — VT / vivienda de uso turístico (VUT)
Andalucía (Costa del Sol, Málaga) — VFT / vivienda con fines turísticos
Cataluña — HUT / habitatge d'ús turístic
Balearic & Canary Islands — ETV / VV
Whatever the regional label, two things are constant: you need the licence, and you need the liability insurance to register it — with the new national registration number now sitting on top across the whole country.
What Tourist Rental Insurance Covers
Generali's home policy (the HU2) includes a vivienda turística option built specifically for owners who let to paying guests. It goes well beyond a standard seguro de hogar:
Guest & Public Liability — the Compulsory Part
Injury to a paying guest on your property — slips, balcony falls, swimming-pool accidents
Injury or damage to neighbours and other third parties — for example a leak or fire that spreads
Satisfies the civil-liability cover you must declare for your VUT licence
Squatter (Okupa) Legal Defence
Legal assistance to recover possession if guests overstay or occupiers move in
Defence handled through Generali's legal team — a major reassurance for owners letting remotely
Buildings & Contents — Rated for High Turnover
Structure, fixtures and fittings — storm (including the DANA seasonal storms), fire, flood and burst pipes
Furniture, appliances, linen and contents subject to constant guest use
Theft and malicious damage caused by guests
Lost Rental Income & Assistance
Loss of booking income if a covered event makes the property unlettable
Legal expenses and assistance — disputes with guests, platforms or contractors
24-hour home emergency assistance and, on mixed-use lets, non-payment of rent
Already insured under a standard home policy? The moment you take paying guests you are running a commercial activity, and most seguro de hogar policies exclude it — so a guest-injury claim could be declined. Declaring the tourist use and moving to the correct policy is what keeps your cover valid. Talk to us on 966 461 625.
Why a Standard Home Policy Won't Pay Out
A normal Spanish seguro de hogar is written for an owner-occupied or private home. Once you advertise to tourists and take bookings, you are operating commercially — and the insurer can decline a claim that arises from that activity. If a guest is injured and you only hold a domestic policy, you could be left personally exposed to the very liability your VUT licence required you to insure. The fix is simple: declare the tourist use and hold a policy written for it.
How This Differs From Our Other Property Cover
We arrange three distinct property policies — make sure you are on the right one:
This page — tourist rental / VUT: short-term holiday lets to paying guests (Airbnb, Booking.com). Commercial guest liability is compulsory.
Holiday home insurance: your own holiday property, used by you and family and often left empty for months — unoccupancy cover is the priority.
Landlord insurance: long-term lets to a resident tenant — rental income, legal expenses and non-payment.
Tourist Rental Insurance Cost
Premiums depend on the rebuild value, location, guest capacity and the level of liability cover your licence requires. As a tourist let carries a commercial liability element, it typically costs more than an equivalent private holiday home. Indicative annual premiums on the Costa Blanca:
Apartment let: from around €220–€350/year
Townhouse let: from around €320–€500/year
Villa with pool: from around €450–€800/year
An alarm, pool fencing and ground-floor security grilles all reduce the premium. Contact us on 966 461 625 for a precise quote matched to your licence's liability requirement.
Yes. Civil-liability insurance covering injury or damage to guests and third parties is a legal requirement for a vivienda de uso turístico. In the Comunidad Valenciana, Decreto 10/2021 requires you to hold it and declare it in your declaración responsable before letting. Minimum cover commonly scales from €150,000 to €2,000,000 depending on how many guests the property sleeps.
A VUT (vivienda de uso turístico) is a home licensed for short-term tourist letting. You need the regional tourist licence — called VT or VUT in the Comunidad Valenciana, VFT in Andalucía, HUT in Cataluña — and, since 1 July 2025, a national registration number (Número de Registro de Alquiler) issued through the Land Registry. Both must appear on your listings or platforms such as Airbnb and Booking must remove them.
It covers the commercial activity of taking paying guests: public and guest liability to the level your licence requires, theft and malicious damage caused by guests, loss of booking income after a covered event, and legal defence including recovering possession from squatters. A standard seguro de hogar is written for a private home and usually excludes paying-guest activity, so it can decline these claims.
Generali's vivienda turística option within the HU2 home policy includes legal defence to help recover possession of your property from squatters or guests who refuse to leave. This is one of the main reasons owners who let remotely take the policy. Exact limits are set out in your policy schedule — contact us on 966 461 625 to confirm the cover for your property.
Yes. Tourist rental insurance is available to non-resident owners — you do not need Spanish residency or a Spanish bank account, though you will need an NIE to register the tourist activity itself. We arrange Generali policies for British and other European owners across the Costa Blanca, with all documentation and communication in English.
More questions?Contact us — free English-speaking advice — 966 461 625.