Protect your second property with holiday home insurance in Spain

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.

What is Spanish holiday home insurance?

Spanish holiday home insurance provides cover for second properties across Spain. Consider safeguarding your property with a specialist policy built for the challenges and risks associated with owning a property overseas.

Our team can help to create you a bespoke policy tailored to your property’s needs. Intasure’s holiday home insurance offers financial support against a range of risks.

What does Spanish holiday home insurance cover?

Those with a home insurance policy will already be familiar with our basic cover. Buildings and contents protection can both be included with our Spanish holiday home insurance. It helps to protect your property from damage and your home’s contents from theft, loss, or damage.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Buildings and contents cover

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

The cover offers protection against:

  • Damage to buildings or contents

    due to natural disasters, such as flooding and fires

  • Escape of water or oil

    from household appliances, such as washing machines and dishwashers

  • Theft

    of household contents

  • Accidental damage

    to household goods, carpets, and sanitary fixtures

  • Loss or damage

    caused by electrical power surges

Public liability cover

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.

Emergency travel cover

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.

Loss of rent cover

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.

Alternative accommodation cover

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

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.

What Spanish property types can Intasure cover?

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:

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.

Why choose Intasure?

We have years of experience with insuring properties in Spain. We’re UK-based, so you’ll have access to our English-speaking team when discussing your policy.

Here are the key benefits when choosing Intasure:

  • Customers can tailor insurance to their needs with optional covers

  • Up to £1 million buildings cover and £5 million public liability cover

  • Cover for short and long-term lets

  • Cover whether the property is occupied or not, for up to 60 days

  • Emergency travel costs for insured claims

  • Loss of rent cover following an insured claim

  • Alternative accommodation costs for insured claims

Policy documents

View and download policy documentation

Need some help?

Call us on 0345 111 0680

Monday – Friday 9am – 7pm

Monday – Friday 9am – 6pm

Spain holiday home insurance FAQ

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.

Your Spanish holiday home insurance premium is based on several factors, including:

  • Your property’s location– for example, areas in close proximity to rivers, seas or other bodies of water, could result in higher premiums
  • The size of your property– larger properties tend to attract higher premiums
  • The contents within your property– storing high-value contents in your property can result in greater insurance costs

Choosing both buildings and contents cover can help safeguard your property’s structure, while your belongings can be protected should damage, theft or loss come to pass. Our policy can include cover for loss, theft and damage to your property and contents.

While it’s not a legal requirement to take out a holiday home insurance policy for your property in Spain, it’s worth considering for several reasons. A policy can help to protect your investment from damage and theft. It also may be a requirement of your mortgage contract.

Making a claim is straightforward. Simply call us on 0345 111 0672, and our dedicated team will be more than happy to help you.

Our mission as second home insurance specialists

We comprise of an in-house team of sales, renewals, customer service, claims, and underwriting specialists. Our aim is to help you find property insurance that suits your needs.

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Years’ experience
providing holiday home insurance

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*correct as at June 2024

Specialist second home insurance from Intasure

Learn more about the cover our products provide:

Buildings and contents insurance suitable for holiday homes let via Airbnb.

Swimming pool at a modern luxury villa, Crete, Greece

Protection for your holiday home when it’s let to paying guests.

At Intasure, we can provide an insurance solution for expat homeowners.

Our cover is available for static caravans in the UK and overseas.

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