Spain Holiday Home Insurance

Every holiday home is different, carrying a unique set of risks. Therefore, the holiday home insurance you choose can depend on several factors, ranging from local regulations to the region’s climate. Whether you plan to let your holiday home to paying guests can also affect your policy.

If you‘re buying a holiday home in Spain for the first time or switching insurance providers, you’ll first want to consider your property’s needs. For example, many villas and apartments have pools or outbuildings — do you need cover for these? If you do, Intasure’s Spanish holiday home insurance might be able to offer suitable protection.

Our buildings and contents cover extends to outbuildings and swimming pools, common in many parts of Spain.

The cover offers protection against:

Public liability cover can protect you against the financial risks of letting your holiday home to paying guests. In such scenarios, this cover offers protection in cases such as a guest suffering bodily injury whilst staying in your property, or if damage is caused to a third party property.

We offer £5 million cover as standard for insured public liability claims.

Minor problems can quickly snowball into serious issues when you’re away from your property. That could be a leaking pipe leading to water damage, or storm damage rendering your home uninhabitable. If a disaster arises, our emergency travel insurance can help to reimburse you for any travel costs when you need to get to your holiday home in a hurry.

If you have a confirmed rental booking that can’t go ahead due to house damage, loss of rent cover can help to cover the lost income.

Damage to your property may mean it’s no longer inhabitable. Alternative accommodation cover can cover hotel fees if you need to relocate while repairs are undertaken.

Unoccupancy cover can help to relieve worries about your property when you’re out of the country. Subject to policy terms and conditions, we can cover your property year-round if you visit weekly, monthly, or just for a couple of weeks a year. For example, small issue like a leaky tap when you’re not there turning into escape of water can still be covered even when you’re not staying at the property.

There’s a wide variety of property types for holidaymakers to enjoy in Spain. So, you’ll find Intasure Spanish holiday home insurance policies offering protection for a variety of structures, including:

• Villas with pools or hot tubs
• Caravans and mobile homes
• City centre and beachside apartments
• Townhouses
• Country properties

If you are unsure whether your property type is covered by our policy, please get in touch with our specialist team, who will be more than happy to help.