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What coverages can I get with a home insurance in Spain?


Internal or external explosion, smoke damage.

Electric phenomena

Short-circuits, overloads and lightning inductions, damage to installations and electrical appliances.

Water damage

Water spillage, leaks, overflows, burst pipes, non-catastrophic flooding and failure to turn off taps.


This includes lightning, wind, hail, snow and rain.


Such as falling aircraft or collision involving vehicles or animals and sonic waves.


Glass, marble surfaces, such as kitchen worktops, sinks, basins, toilet bowls and ceramic hobs.

Theft, pillage, robbery and mugging outside the home

An expat home insurance in Spain may cover theft, break-ins and replace or repair your belongings if they have been damaged.

Domestic Emergencies

Plumbing, electricity, security, lock smith, TV and video.

Complementary coverage

Food in refrigerator, temporary transfer or rent of temporary housing, travel and journeys, replacement documents.


Fire brigade, clearance, salvage, temporary accommodation, replacement of documents, cleaning, locating conduits and deposits, fitting glass, marble, bathroom units and vitroceramic hobs, surveying of extraordinary losses, intervention by architect and technical architect.

Public liability

Real estate, private, family, head of family and owner of animals. Damage from water leaks.

Legal protection and advice

Claims for: damages to insured goods, nuisance for smoke or gas, faulty services, easement disputes, breach of contract on domestic goods.
Conflicts with: owners’ associations, rental contract. Defense: as member of the board of the owners’ association, claims by domestic service.

Let’s talk about Home Insurance Spain. Just like any other country, Spain also emphasizes the importance of having a home insurance policy. This isn’t just a luxury but rather a necessity. Whether you’re a homeowner or a tenant, having home insurance provides you with that much-needed peace of mind. It acts as a safety net, protecting you from potential financial losses that could occur due to unforeseen incidents such as theft, fire, or natural disasters.

Here are a few reasons why you should consider getting home insurance in Spain:

Comprehensive Coverage: Spanish home insurance policies offer comprehensive coverage. This includes not just the building itself, but also the contents within the house.

Legal Liability: If someone gets injured on your property, home insurance can cover the legal costs and potential compensation you might have to pay.

Additional Living Expenses: In case your home becomes uninhabitable due to a covered loss, your insurer can cover the costs of living somewhere else temporarily.

Overall, Home Insurance Spain is a vital safety measure that you should not overlook.

Why choose our insurance brokerage?


We work with the best insurance brands on the market.


We look for your insurance at the best price with the best guarantees among the existing offers in the insurance market.


We have a claims department to offer you services in the event of any incident, without you having to worry about anything.


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FAQS Home Insurance in Spain

Home insurance coverage

A home insurance in Spain covers the damages caused to your home and the contents inside for any inconvenience. You can cover both the damage for the home itself and the happened to a third party.

Is it compulsory to have home insurance in Spain?

In some countries, such as Spain, it is not compulsory to take out insurance, but it is highly advisable to contract one in order to avoid future unexpected costs that could lead to a major economic problem.

What are the benefits of home insurance?

Home insurance protects our patrimony. Home insurance is a guarantee of civil liability. Home insurance covers robbery and theft and all common incidents. Also, it covers additional expenses and legal and health assistance.

Home insurance

Why choosing BMI in your expat home insurance in Spain?

Searching for the right expat home insurance will be easier if you count on us.


We give you personalised attention to resolve your doubts and find the best insurance that fits your needs.


We tailor the policy to your needs; with the exact cover you need so that you will not be taken by surprise in the future.


Our more than 30 years in the sector are the guarantee of professionalism and experience to achieve your satisfaction.

Understanding the Cost of Home Insurance in Spain

When planning to protect your home in Spain, understanding the nuances of home insurance costs becomes paramount. This comprehensive guide offers an in-depth analysis of what factors influence home insurance pricing in Spain, ensuring you make an informed decision to safeguard your property.

What Influences the Cost of Home Insurance in Spain?

The cost of home insurance in Spain is affected by several key factors, including:

  • Location and Risk Factors: Coastal areas prone to flooding or regions with higher burglary rates might see elevated insurance costs.
  • Type and Age of Property: Newer homes with modern safety features may benefit from lower premiums compared to older, traditional Spanish villas.
  • Coverage Options: Choosing between basic coverage and a comprehensive policy that includes natural disasters, theft, and third-party liability can significantly impact your premium.
  • Personal Claim History: Individuals with a history of multiple claims might face higher premiums due to perceived increased risk.

Tips for Reducing Home Insurance Costs in Spain

Reducing your home insurance premiums in Spain is possible with a few strategic choices:

  • Increase Security Measures: Installing burglar alarms, fire detectors, and other security systems can lower your risk profile.
  • Opt for a Higher Deductible: Agreeing to a higher out-of-pocket expense in the event of a claim can reduce your annual premium.
  • Bundle Policies: If you have other insurance policies (e.g., car insurance), bundling them with the same provider can offer discounts.

Excellence in Claims Handling: Spain’s Best Home Insurance Providers

Securing your home with insurance is a critical step for any homeowner in Spain. However, what truly sets a home insurance provider apart is the excellence in claims handling. This article delves into Spain’s top home insurance providers known for their superior claims service, ensuring you make an informed choice for comprehensive protection and peace of mind.

The Importance of Efficient Claims Handling

Efficient claims handling is the cornerstone of a reliable home insurance provider. It not only reflects the company’s commitment to serving its customers but also ensures that you are quickly and fairly compensated for any loss or damage. We’ll explore the key components that contribute to exemplary claims handling:

  • Speed and Efficiency: How quickly a claim is processed can significantly impact a homeowner’s experience.
  • Transparency: Clear communication throughout the claims process is vital for customer satisfaction.
  • Fairness: Assessing claims fairly and accurately ensures that policyholders receive the compensation they deserve.

How to Ensure a Smooth Claims Process

Being prepared can significantly streamline the claims process. Here are some tips to ensure a smooth experience:

  • Document Everything: Keep a detailed record of your belongings and any correspondence with your insurer.
  • Understand Your Policy: Knowing the specifics of your coverage can help avoid any surprises during the claims process.
  • Immediate Reporting: Report any damages or losses to your insurer as soon as possible to initiate the claims process promptly.

Analyzing Different Home Insurance Policies in Spain

Guarantees of home insurance coverage

  • Movable Goods

    Movable goods are the objects that are part of the house but are not included in the structure. Because of their tangible nature, movable goods can be moved from one place to another without being damaged. Some examples of movable property are televisions, clothing, jewellery, vehicles, furniture, artworks, etc.

  • Immovable Goods

    Immovable goods are defined as those things that are part of a structure and cannot be moved without damage. Immovable property includes buildings, parcels, estates, garages, roads, or rights over the title of the property such as the right to buy, sell, lease, among others

  • The Third Part Liability

    One of the benefits of home insurance is that it generally covers the damage that has been caused to other persons or to other properties as for example in case of a fire.

How to take out adequate home insurance

To determine which Home Insurance is best for you, consider the following keys:

  • Do a total valuation of all the goods in your home, both movable and immovable.
  • Take out an insurance policy that provides full assistance, every day of the year and 24 hours a day.
  • You have to define all the characteristics of your home: number of years of construction, the area where it is located or the square footage, among others.
  • Depending on the amount you will pay, the policy will cover some contingencies. The more you pay, the greater the coverage.

Other solution to enjoy the major benefits of an insurance contract is to count on specialists who will help you find the one that best suits your needs.

At BMI Spainwe are specialized in insurance. You can count on us to find the company that has a policy that suits your needs and you do not have to worry about anything else.

If you have any questions, please do not hesitate to contact us, we will be happy to help you find the ideal home insurance for you and your family.

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