Home insurance is not mandatory in Spain; however, it’s strongly advised. And you should never forget the importance of civil liability cover. In fact, home insurance covers your liability for damages caused to third parties.
In any case, the common areas of co-property must be insured. This insurance is more than just simple protection; it gives you peace of mind in your home whether you own or rent.

If you rent, taking out an insurance policy that will protect your movable assets and give you civil liability cover is highly recommended. The owner should have home insurance covering the structure; however, this is not always the case since this type of insurance is not mandatory in Spain.
For this reason, including first loss cover for the structure is advisable in order to prevent any potential conflicts with the owner or any neighbours in the event of an accident. This optional guarantee means you will be covered against any damages that may be caused to the structure even if you do not own the home.

All home insurance policies include civil liability. This is one of the main guarantees in any policy and covers your liability in the event of physical or material damages caused to third parties. It’s one of the reasons why home insurance seems so essential.