Essential Home Insurance in Spain
Whether you live full‑time or own a second home, the right coverage protects against costly repairs and unexpected events. Although not legally required unless you carry a mortgage, a comprehensive policy delivers peace of mind.
Five Common Questions About Spanish Home Insurance
- Is home insurance compulsory? No, except for mortgage holders. Lenders enforce buildings insurance covering the structure as a loan condition. You may choose any provider, as long as the policy meets the lender’s minimum coverage.
- How much content coverage is needed? The amount depends on the value of your belongings—kitchen appliances, clothing, garden furniture, etc. High‑value items such as jewellery generally require a separate declaration.
- What is the “excess”? The excess is the portion you pay before the insurer covers the rest. For example, with a €100 excess on a €500 repair, the insurer pays €400.
- Does the policy include Public Liability? Some plans feature Public Liability, especially when content coverage is insured. This protects you if someone is injured or their property is damaged because of your home—for instance, causing water leakage to a neighbour. Coverage varies by insurer and policy.
- Is dog liability covered? Dog owners are legally accountable for damage their pets cause. Coverage depends on the insurer’s terms. For “potentially dangerous breeds,” a dedicated Public Liability provision is necessary.
Generali Expatriates offers flexible policies so you pay only for the cover you genuinely need—particularly useful if you rent out your property or leave it unoccupied for extended periods. If you are unsure about your protection, our expat experts can help tailor a suitable plan devoid of unnecessary extras.
To explore further, request a quote or find your nearest broker. Call 91 342 25 49.
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