Home insurance in Spain

Professionals dedicated to expatriate insurance, INOV Expat puts all of its expertise at your service to secure the home insurance in Spain that best adapts to your needs . We are an insurance brokerage firm that has been working with the best insurance companies in the market since our foundation in 2004 to be able to offer you home insurance that is “customised” for you and your family at the best price. We will assist you with all phases of your home insurance, answering all your questions and, above all, acting as your liaison to defend your interests against insurance companies in the event of a claim.We handle your claims in the language of your choice: English, French, Russian, Spanish or Portuguese. Don’t forget to ask for your quote and find the best home insurance in Spain here

Basic, from
€80year
Fire, burglary, flooding, ..vandalism
Electric damages
24/7 assistance
Civil liability & legal protection
Robbery and street assault
Rent losses
Quote

Intermediary, from
€90year
Fire, burglary, flooding, ..vandalism
Electric damages
24/7 assistance
Civil liability & legal protection
Robbery and street assault
Rent losses
Quote

Fully comprehensive, from
€100year
Fire, burglary, flooding, ..vandalism
Electric damages
24/7 assistance
Civil liability & legal protection
Robbery and street assault
Rent losses
Quote

FAQ

Fire, water damage, burglary, natural disasters... Don’t be left uncovered when something unexpected happens! Home insurance covers the home itself, the content and civil liability for the occupants. .

Is home insurance mandatory in Spain?

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.

I rent. Should I take out home insurance?

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.

Is private civil liability covered by home insurance?

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.

Information

What influences the premium: Various elements will influence the sum of your premium:

The surface area to be insured
The capital of the structure to be insured
The capital of the belongings to be insured
The value of the belongings whether it is aprimary, second or rented residence

It’s best to contact us directly and we’ll suggest the best offer in accordance with your needs.

In Spain, home insurance is not mandatory. Home insurance is mandatory only if your property is mortgaged. In this case, the owner must have insurance covering fire damage at a minimum.

In 2015, the Ministry recorded 113,452 burglaries throughout Spain. The number of thefts in the first quarter of 2016 totalled 31,154; which is an increase of 7.7% in comparison to the same period the year before.
The average booty is 643 euros when it comes to theft in Catalonia. A figure above the average in the country, which is 480 euros. Moreover, Catalan homes are 28% more likely to be burglarised than any others.
As concerns Barcelona, a recent study by Unespa determined that the Ciutat Vella, Eixample and Gràcia neighbourhoods are the most at risk of burglary.