Understanding the ins and outs of house insurance can be a complex task, especially when dealing with policies in a foreign country like Spain.

Whether you’re a resident, a non-resident, or simply considering a move, it’s crucial to be informed about the specifics of house insurance in the country.

In this comprehensive guide, we delve into the key aspects of house insurance in Spain, from what it typically covers to factors that influence its cost.

We also provide valuable insights on how to potentially lower your premiums, ensuring you get the best possible coverage for your needs.

Read on to demystify the process and gain the knowledge you need to navigate the Spanish house insurance landscape with confidence.

1. What does house insurance in Spain typically cover?

House insurance in Spain can vary depending on the insurance company and the type of policy you choose.

However, in general, home insurance in Spain can cover the following:

Structural damage

This includes damage to the building or structure of the home caused by fire, floods, storms, earthquakes, vandalism, etc.

Home contents

This covers personal property inside the home, such as furniture, appliances, clothing, jewellery, etc., which may be damaged or stolen.


If someone is injured on your property or if you cause damage to someone else’s property, liability cover can protect you against legal claims.

Alternative accommodation

If your home becomes uninhabitable due to damage covered by the policy, the insurance may cover the costs of temporary accommodation.

Home assistance

Some policies offer home assistance services, such as emergency repairs, locksmith services, etc.

Aesthetic damage

In the event of a loss, this guarantee covers the costs of restoring the original aesthetics of the home.

2. Is water damage included as standard?

No, in most insurance policies, water damage is not included as standard, but with InsuranceAgents.es you are fully covered for ALL water damage, regardless of the source of the water.

3. Can I get house insurance in Spain if I’m not a resident?

Yes, InsuranceAgents.es, for example, offers insurance policies that cover all types of properties, including holiday homes, permanent residences, and rental properties.

Our services are comprehensive, dealing with all claims in-house and providing full support in case of burglary, accidental damage, and home appliance repair.

We also offer emergency call-out services and coverage for natural disasters. Additional features include garden reconstruction, legal protection against squatters, public liability coverage, landlord insurance options, and more. To get a quote, you can contact us directly and we will prepare a personalized quote for you.

4. Is house insurance mandatory for homeowners in Spain?

House insurance is not mandatory in Spain. It is strongly recommended due to the protection it provides for such a high investment and the low cost of insurance in Spain.

We also offer emergency call-out services and coverage for natural disasters. Additional features include garden reconstruction, legal protection against squatters, public liability coverage, landlord insurance options, and more. To get a quote, you can contact us directly and we will prepare a personalized quote for you.

5. Is house insurance mandatory for homeowners in Spain?

In Spain, coverage for natural catastrophes such as earthquakes, floods, volcanic eruptions, among others, are included as part of the home insurance policies.
Natural Disaster
However, there is a special system called Consorcio de Compensación de Seguros (CCS) that covers these extraordinary risks, so effectively you are covered if you have house insurance and the good news is that any claims made due to natural disasters will not affect your no-claims bonus.

The Insurance Compensation Consortium is a public entity that guarantees compensation in the event of extraordinary losses. When you take out home insurance in Spain, a small part of the premium goes to the CCS. So, if your home is damaged by an earthquake, flood or other natural catastrophe, the CCS is responsible for compensation, not your insurance company.

It is important to mention that the CCS covers damage to the home and property insured therein, but there are certain limitations and exclusions. For example, damage caused by natural phenomena that are not of an extraordinary nature, such as normal rainfall, are not covered.

For more precise and detailed information, contact a professional insurance agent in Spain

6. What factors influence the cost of house insurance in Spain?

The cost of home insurance in Spain is influenced by a variety of factors. Here are some key factors that determine the cost:

Age of the Home

Older homes are more likely to suffer damage, which can make insurance more expensive.

Size of the Home

The cost of insurance increases with the size of the home, including both the number of square meters and the number of rooms.

Home Features

Features like a swimming pool, fireplace, or garage, as well as pets, can add to the cost of insurance because they increase risk.


The climate and security of the area can affect the cost of insurance. Areas with higher weather risks or crime rates can lead to higher insurance costs.

Contents of the Home

The value of the items in your home can significantly affect the cost of insurance. The higher the value of the contents, the higher the insurance premium.

Use of the Home

The cost can vary depending on whether it’s your primary residence, a holiday home, or a rental property.

Valuable Items

Luxury items or items of high value, like artwork, collections, furs, or rugs, can increase the cost of insurance.


Jewellery often has its own coverage, and you’ll need to establish the value of your jewellery. If you decide to exclude jewellery from your insurance, it could lower the cost.

7. How can I lower my house insurance premiums in Spain?

There are several ways you can reduce your house insurance premiums in Spain:

Compare Prices

Shopping around and comparing prices from different insurance providers can lead to significant savings. The easiest way to do this is to talk to an insurance agent who specializes in house insurance in Spain.

Increase Your Deductible

The deductible is the amount you’re willing to pay out of pocket before your insurance coverage kicks in. If you choose a higher deductible, you can significantly reduce your insurance premiums.
Lower house insurance cost

Improve Home Security

Enhancing the security of your home can lead to discounts on your insurance premiums. This could include installing a security system, securing windows, and using safety locks.

Update Your Insurance Policy as Needed

You might need to increase your insurance coverage if you inherit an art collection or some family heirlooms, but you should also consider reducing your coverage when necessary.

Maintain a Good Credit Score

Nowadays, your credit score is not only used by mortgage lenders and banks. Insurance brokers are even looking into your credit history and standing.

Consider Where You Live and the State of Your Home

Many factors influence the amount of your insurance premium, but where you live is the most significant deciding factor.
Remember, these factors can vary between different insurance companies and policies. It’s always a good idea to consult with an insurance agent who specializes in house insurance in Spain, to get accurate and specific information.


In conclusion, understanding house insurance in Spain is crucial for homeowners and prospective buyers.

Remember, the right insurance policy not only offers financial protection but also peace of mind. For more insights and personalized advice on house insurance in Spain, feel free to reach out to our team of experts

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