Home Insurance in Spain for International Owners
Whether the property is where you live full-time, a holiday home you use for part of the year, or an investment held from abroad, cover has to match how you actually use it. Tell us about the property and we will confirm what can currently be arranged.
Home insurance for every kind of international owner
Spanish home insurance is not one product. What suits a full-time resident in an apartment inside a community of owners is not what suits a stand-alone villa used six weeks a year. The starting point is always the same question: how is this property actually occupied and used?
Permanent residence
Your main home, lived in year-round. Cover is built around normal daily occupation.
Holiday home / second home
Used for part of the year and left empty the rest. Insurers ask about the pattern of unoccupancy — answering it accurately matters.
Apartment or villa within a community
Where the building itself is often insured under a community (comunidad de propietarios) policy, separate from your own contents and interior cover.
Property owned but not yet lived in
Bought, being renovated, or awaiting your move — cover still needs to be in place from the point you take on the risk.
General guidance only, for international clients considering or arranging insurance in Spain. What a policy actually covers, its excesses and its exclusions are set by the insurer and the wording of that specific policy — not by this page. Nothing here is legal, tax or immigration advice, and nothing here should be read as confirmation that a particular product is currently available: tell us your situation and we will confirm honestly what can be arranged.
What home insurance in Spain typically involves
Cover, wording, excesses and exclusions are all set by the individual insurer and policy — nothing here is a statement of what a specific product includes. In general terms, a Spanish home policy is built around a small number of components, and the questions worth asking are the same whichever insurer ends up quoting:
- Buildings. The structure itself — walls, roof, fixed installations. Where a property sits inside a community of owners, the exterior structure may already be insured under the community’s own policy; worth confirming before assuming you need to duplicate it.
- Contents. What you own inside the property. Sums insured should reflect what is actually there today, not a figure carried over from years ago.
- Owner liability. Where applicable, cover for injury or damage caused to third parties in connection with the property — relevant if visitors, guests or neighbours could be affected.
- Unoccupancy. Most policies have a condition about how long a property can sit empty before cover is restricted. If the home is used seasonally, this is one of the first things to check, not an afterthought.
- Third-party letting. A property let to paying guests, even occasionally, generally needs different cover to a home occupied only by the owner — see landlord insurance in Spain.
We are building our insurer relationships in Spain. Rather than guess at what we can place, we ask you a short set of questions about the property or the situation, then come back with a clear written answer — including telling you plainly if a particular case falls outside what we can currently arrange.
What decides the cover and the price
None of the following is fixed or universal — it is what an underwriter is actually looking at, and getting the details right up front avoids a policy that turns out not to match the property when a claim happens.
The insurer
Availability, wording and price vary by insurer. There is no single "Spanish home policy".
The property
Construction, age, size and condition all matter, as does whether it sits within a managed community.
Location
Region, proximity to the coast and known local risks (flood, wildfire) all factor into underwriting.
Occupancy and use
Full-time, seasonal, or let out — this changes the type of cover you actually need, not just the price.
Sums insured
What the buildings would cost to rebuild and what the contents are genuinely worth — both need revisiting periodically, not set once and forgotten.
Claims history
Yours, and where relevant the property’s. Being upfront about it at quote stage is always the stronger position.
Non-resident owners
Owning a property in Spain without living there is common, and it is normally insurable. What an insurer needs is accurate information — how the property is used, whether it sits empty for long periods, who has access to it — not proof of Spanish residency. Correspondence, the policy explanation and any claim are all handled in English regardless of where you live.
What we need to prepare your quote
- The property. Type, size, age and location, and whether it forms part of a managed community.
- How it is used. Permanent residence, holiday home, or let out — and roughly how many weeks a year it stands empty.
- What you need covered. Buildings, contents, or both — and, if contents, a rough idea of what is inside.
- What you have now. Your current policy, if any, and its renewal date, so we can compare against it rather than around it.
You do not need everything to start — the form below can begin with the basics, and we will ask for the rest as it comes through.
Renting the property out?
If anyone other than you or your family stays in the property and pays for it — whether that is a long-term tenant or an occasional holiday guest — the cover you need changes. See landlord insurance in Spain, or tell us in the form below and we will point you the right way.
Buying or owning property? Consider:
Get a home insurance quote
Tell us about the property. Where it is, how it is used, and what you need covered change the answer more than anything else on this form.
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.
Need help with another type of insurance?
Frequently asked questions
Can I insure a home in Spain if I do not live there?
Yes — non-resident ownership is common and normally insurable. What an insurer needs is accurate information about the property and how it is used, not proof of residency.
Do I need separate buildings cover if my property is in a community?
Often the exterior structure is already insured under the community (comunidad de propietarios) policy, in which case your own cover is usually about contents and interior fittings — but this varies by community, so it is worth confirming rather than assuming.
What happens if the property is empty for months at a time?
Most policies have a condition about how long a property can stand empty before cover is affected. If your home is used seasonally, tell us the pattern up front — it is one of the details that most changes what an insurer will offer.
Can you name which Spanish insurers you work with?
Not yet, honestly — our Spanish insurer relationships are still being built. We ask about your property and situation and come back with a clear written answer on what can currently be arranged, rather than promise a panel we do not yet have.
Is this the same policy as for a property in Portugal?
No. Spanish and Portuguese home insurance are different products, from different insurers, under different rules. This page was written specifically for Spain — for Portugal, see home insurance in Portugal.
How long does a quote take?
We aim to come back with a written answer within a few working days. If your case needs an individual referral — an unusual property, or something outside what we can currently place — we will tell you that plainly rather than leave you waiting.
Guides worth reading first
- Community insurance and apartment ownership in Spain — what a comunidad de propietarios policy covers, and what stays your responsibility
- Property insurance in Spain for non-resident owners — what actually matters to an insurer when you live elsewhere
- Second home insurance in Spain — what changes when a property is used seasonally
- All property guides for Spain
Related cover
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, and not legal, tax or immigration advice. What can actually be arranged depends on the property, the situation and the insurer, and we confirm that honestly rather than assume it.