Holiday home insurance in Spain
A multi-risk policy from Hiscox written for holiday homes in Spain owned by international clients, with clear, simple wording. Arranged and explained in English, with the conditions in writing before you commit.
What this policy is for
Hiscox Holiday Home is a multi-risk home policy designed for holiday homes in Spain that belong to clients from abroad. The wording is deliberately clear and simple, which matters when the policy is in Spanish and you are not.
It suits an apartment, townhouse or villa that you use for part of the year and leave closed the rest — on the Costa del Sol, the Costa Blanca, the Balearics or the Canaries, or anywhere else in Spain.
Before you buy: three things we check with you
- How the house is usedHow many weeks a year you are there, who else stays, and how long it stands empty. Insurers ask about unoccupancy, and an accurate answer is what protects a claim.
- Whether it is letIf paying guests or tenants use the property, even occasionally, tell us. Letting changes the cover you need — see landlord insurance in Spain.
- Jewellery and watchesThe Hiscox holiday-home policy does not cover jewellery and watches. If you keep valuables in the house, they need their own policy — Hiscox also writes a stand-alone jewellery and watch policy in Spain.
When a holiday-home policy is not enough
A larger or higher-value home, a house you live in for most of the year, or one with a collection inside it calls for a different standard of cover. For those we place a high-value home policy with Hiscox or Chubb — see high-value home insurance in Spain.
Storm surge, extraordinary flood and earthquake are paid in Spain by the Consorcio de Compensación de Seguros, based on the sums in your policy, so the buildings and contents figures you choose matter for those events too.
Request a holiday home quote
Tell us where the house is, how often you use it and whether it is let.
Ask for a quote — it takes under a minute
Leave just the essentials and we reply within 24 working hours. We ask for the rest by email.
We place this policy with Hiscox, which underwrites in Spain. Every proposal names the insurer and the conditions in writing.
What we will ask for your quote
After the first contact we ask for these details by email. If you have them to hand, you can send them now to insurance@adlerrochefort.com.
- Full name
- Full address of the property
- Spanish NIE (or passport number if you do not have one yet)
- Type of property and gross construction area
- Year of construction
- Weeks a year the property is used, and whether it is let
- Buildings sum insured
- Contents sum insured
- Your current policy and renewal date, if any
By sending this form you agree to us using your details to prepare and discuss your quote, in line with our privacy policy. We never sell your data. Adler & Rochefort is a trading name of Ownizo, Unipessoal Lda., registered with the ASF under no. 425591790/3.
No obligation to proceed. We may contact you for additional information before obtaining terms, and insurer acceptance and pricing remain subject to underwriting.
Already insured with us and need help with an existing claim? Claims support — this form is for new requests.
Thank you
Your request has been received. We will come back to you with a written answer.
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Frequently asked questions
Who is the Hiscox Holiday Home policy for?
Owners from abroad with a holiday home in Spain. It is a multi-risk policy with clear, simple wording, designed for holiday homes rather than large or high-value residences.
Does it cover jewellery and watches kept in the house?
No. The Hiscox holiday-home policy does not cover jewellery and watches. Valuables need a separate policy; in Spain Hiscox writes a stand-alone all-risks policy for jewellery and watches for clients habitually resident in Spain.
Can I insure a holiday home in Spain if I do not live in Spain?
Yes. The policy is written for holiday homes owned by clients from abroad. What matters is an accurate description of the property and how it is used.
What if I let the property to holiday guests?
Tell us before you buy. Letting to paying guests changes the cover you need, and we will propose the right policy in writing.
How long does a quote take?
We reply within 24 working hours and send a written proposal once we have the details listed on this page.
Adler & Rochefort is a commercial brand of Ownizo, Unipessoal Lda., registered with Portugal's ASF under no. 425591790/3, operating in Spain on a cross-border basis from that registration. This page is general guidance, not a statement of what any specific policy covers. Cover, limits, excesses and exclusions are set by the insurer's policy wording, which we explain in writing before you commit.