House insurance in Spain, while not always mandatory, is a crucial safeguard for homeowners and tenants alike. Known locally as seguro de hogar, it offers protection against a wide range of risks, including fire, water damage, theft, and natural disasters.
There are two main components to a typical Spanish house insurance policy: building insurance (seguro de continente) and contents insurance (seguro de contenido). Building insurance covers the structure of the property — walls, floors, and permanent fixtures — and is often required by mortgage lenders. Contents insurance protects personal belongings inside the home, such as furniture, kitchen units, electronics, and valuables.
Spanish insurers also frequently include public liability coverage, which protects homeowners if a third party is injured on their property — for example, a delivery person slipping on a wet floor.
Premiums are generally lower than in many other European countries, including the UK, thanks in part to Spain’s climate, which reduces the risk of flooding or storm damage in many regions. However, properties in high-risk areas, such as those prone to wildfires or earthquakes, may see higher rates or require additional coverage.
Expats should note that policies are typically written in Spanish, and while some insurers offer English-language support, understanding the terms and exclusions is essential. Some international companies also provide coverage tailored to foreign residents.
While not legally required (unless the property has a mortgage), house insurance in Spain offers peace of mind and financial protection — making it a wise investment for any homeowner. Note, you must carry out routine maintenance on a regular basis or the policy/claim may be void
At InsureSpain we can offer several options of house insurance. Contact us for more details, help and advice
