
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?
However, in general, home insurance in Spain can cover the following:
Structural damage
Home contents
Liability
Alternative accommodation
Home assistance
Aesthetic damage
2. Is water damage included as standard?
3. Can I get house insurance in Spain if I’m not a resident?
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?
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?

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.
For more precise and detailed information, contact a professional insurance agent in Spain
6. What factors influence the cost of house insurance in Spain?
Age of the Home
Size of the Home
Home Features
Location
Contents of the Home
Use of the Home
Valuable Items
Jewellery
7. How can I lower my house insurance premiums in Spain?
Compare Prices
Increase Your Deductible

Improve Home Security
Update Your Insurance Policy as Needed
Maintain a Good Credit Score
Consider Where You Live and the State of Your Home
IMPORTANT
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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