Spanish Home Insurance

Why choose us for your Spanish Home Insurance?

HomeFinance Spain offers clients the best house insurance policies in Spain. Whether it is for your holiday home or permanent residence in Spain, it’s important to consider the level of protection you need.  

  • Years of experience in the insurance industry
  • We process all of your claims - saving you time
  • Multi-policy benefits and discounts are available

Expert Advice

Expert advice on your policy - our policies are backed by one of the largest insurance companies in Spain.

Clients First

We are transparent about our services and are respected by our clients for being honest, friendly and trustworthy.

We do the Work

We will take care of the entire process, including all of the paperwork, renewals and claims.

Independent Agent

As an independent agent, we have searched the market and partnered with the best insurance companies in Spain.

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Spanish Home Insurance benefits include:

  • Home assistance 24 hours a day, 365 days a year, via a telephone call.
  • Multi policy benefits and discounts are available.
  • Index-linked insured sums ensure that the sums do not become outdated, so if you have a claim, you will receive an adequate compensation plan.
  • An option to pay your Spanish home insurance by instalments.
  • Legal defence claims for damages, an IT assistance service, 24-hour assistance and a home improvement service.
  • Under your home insurance policy, goods will be insured on ‘as new value’.
  • 3 different sign-up options including: Basic, Plus and Premium.

Basic cover

This policy guarantees security inside and outside your home.

A Basic Policy includes:

  • Fire, explosion, lightning, water damage, damage caused by vandalism or acts of ill intent.
  • Theft with violence and mugging inside the home.
  • Miscellaneous expenses for salvage.
  • Floods, rain, hail, snow, broken windows and broken sanitary ware.
  • Public liability cover as the owner / tenant and head of the family, including public liability for fishing of up to €300,500.
  • Repair assistance service – 24 hours a day.
  • DIY services.
  • Family legal defence.
  • Computer assistance.
  • Legal defence for internet commerce.

Plus Cover

This policy includes everything from the Basic Policy plus the following:

  • An extension of cover for theft with violence, mugging and larceny.
  • Breakage extension: Perspex furniture, glass-ceramic hobs and glass in electrical appliances.
  • Aesthetic restoration of the building / contents.
  • Garden furniture.
  • Replanting trees / garden.
  • Refrigerated goods.

Premium Cover

The most complete protection in home insurance.

This policy includes everything from the Basic Policy and the Plus Policy and the following:

  • Excess water consumption protection due to broken pipes.
  • Complete building collapse cover.
  • Accidental spills of liquid other than water cover.

Frequently Asked Questions

When taking out Spanish home insurance, the first decision you must make is what type of policy you want. HomeFinance Spain can offer you three types of insurance; basic, plus or premium protection.

Yes, you can also add accidental home risk, extra cover on your valuables and cover for dangerous animal protection to your Spanish home insurance.

A professional can work in your home for up to three hours to repair or improve your house. This can include; placement of accessories in your kitchen or bathroom, replacing taps or assembling furniture.

This cover includes telephone or online help to assist you when setting up applications and operating system configurations. It also includes the travel costs and first hour of work of a computer technician, if you require one to come to your home.

It is only mandatory to take out home insurance if you have a mortgage for your property. The bank that is providing you with the mortgage might make it compulsory for you to take out home insurance.

Our team can advise you on the details and the costs of different home insurance policies. We would recommend our clients to take out home insurance, for security and peace of mind. It can save you a lot of money in the future by taking out a home insurance policy.

There are certain types of cover for those who rent out their Spanish property. These policies cover you if a tenant damages your property or you need representation to evict a tenant. A home insurance policy tailored for landlords can prove to save you a lot of money if you plan to rent out your Spanish property.

You can opt to have building insurance, contents cover, or both included in your premium. Building cover insures the structure and the fixtures, it is based on the insurable value of your property. This value is not the same as the market value of your property, as it does not include the land your property is on. It is based on what it would cost to rebuild your property, not what it would cost to buy the property new.

Content insurance covers all personal belongings in the home. Anything that is not part of the property’s structure of fixtures. It includes such things as art, jewellery, computers and furniture.

Your premium will depend on how secure your property is. So if you have strong doors, shutters and an alarm – this will reflect in the price of your premium.

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