A quick chat can save you time, money and stress. Contact Us
A quick chat can save you time, money and stress. Contact Us
Home insurance in Spain helps protect your property, your belongings, and your finances if something goes wrong. Depending on the policy, it can cover the building itself, the contents inside, and your liability if damage affects somebody else.
Many homeowners in Spain arrange insurance not only for major risks such as fire, storm damage or theft, but also for everyday problems like water leaks, accidental damage, or broken glass. The right level of cover often depends on whether the property is your main home, a holiday home, or a rental property.
Policies can vary widely between insurers, especially when it comes to what counts as buildings cover, what is included under contents, and how claims are handled. That is why it helps to compare the details properly rather than looking only at price.
The Dragon Insurance team help residents and expatriates understand how these policies work and what is included, explaining everything clearly and helping you arrange cover that suits your circumstances.
We also arrange car insurance in Spain and health insurance in Spain, helping you keep everything under one roof. Explore all our insurance services in Spain.
Home insurance in Spain can be arranged for different types of owners and properties, depending on how the home is used.
Home insurance in Spain is usually arranged around three main areas of protection: the building, the contents, and liability.
Some people only need basic protection for the structure of the property, while others want broader cover that also includes furniture, appliances, valuables, legal defence, and emergency assistance.
This relates to the structure of the property, including walls, roofs, floors, fitted kitchens, bathrooms and permanent fixtures.
This protects the belongings inside the home, such as furniture, clothing, electrical items and other personal possessions.
This can help if you are held responsible for injury to another person or damage to somebody else’s property.
Insurers usually want to know how the property is used, as a permanent home, a second home, or for holiday lets.
The level of cover should reflect the rebuild value of the property and the replacement value of the contents, not simply the purchase price.
Cover can depend on security measures, unoccupied periods, and any special features of the property, so the details matter.
We help you understand these differences before you arrange cover, so the policy matches the property properly and there are fewer surprises if you ever need to claim.
The exact protection depends on the insurer and the policy chosen, but many home insurance policies in Spain can include a mixture of structural, contents and liability cover.
Some of the most common areas of cover may include:
Protection for damage caused by fire, smoke or explosion within the home.
Cover for problems such as burst pipes, leaks, or escape of water, depending on the policy conditions.
Protection for certain types of damage caused by wind, rain or other severe weather.
Cover for stolen contents or damage caused during a break-in, subject to the limits and security requirements of the policy.
Some policies include broken windows, glass doors, mirrors, sinks or bathroom fittings.
Damage to electrical installations or appliances following power surges or related incidents may be included.
This can help if your property causes injury or damage to another person or to neighbouring property.
Some policies include legal assistance for disputes linked to the property or certain claims situations.
Emergency call-out services for urgent issues such as plumbing, electricity or lock problems may also be included.
What is included can vary quite a bit from one policy to another. We help you look at the detail properly, so you know what is covered, what limits apply, and what level of protection makes sense for your property.
To provide a home insurance quote, insurers will usually need a few practical details about the property and how it is used.
Providing accurate information helps us compare the right policies and make sure the cover reflects the property properly.
Arranging home insurance in Spain often raises practical questions, especially if the property is a second home or works differently from a policy back home.
Here are some of the questions people ask most often.
Fill in the form and we’ll get back to you to discuss the details needed for your insurance enquiry.
Or, if you prefer, send us a message on WhatsApp and we’ll guide you through what information we need.
Independent insurance specialists supporting expats and residents across Spain since 1998.
Dragon Insure . All rights reserved.
Independent insurance specialists supporting expats and residents across Spain since 1998.