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Spain Holiday Home Insurance

  • Tailor your Spain holiday home insurance cover to suit your lifestyle
  • Offers peace of mind to enjoy the leisure time you have earned
  • 24/7 Spain holiday home insurance emergency claims service
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  • Cover in more than
20 countries

  • Over 20 years of holiday
home expertise

  • 24hr emergency
claims helpline

  • Cover for unoccupied
properties included

Spain Holiday Home Insurance: Protect Your Second Property With Intasure

If you’re purchasing a holiday home in Spain or switching insurance providers, it’s important to consider the unique risks your property may face. Factors like local regulations, the region’s climate, and whether you’ll be renting to guests can all impact your insurance needs. For example, many Spanish villas and apartments feature pools or outbuildings, which may require additional cover. Intasure’s holiday home insurance can help provide protection for Spainish holiday properties, so you and your holiday home are covered.

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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.

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Our Partners

Intasure works with an established partner to provide flexible insurance options.

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.

Buildings and contents cover

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

The cover can offer protection against:

  • Damage to buildings or contents due to natural disasters:

    This can cover damage caused by events such as flooding, fires, earthquakes, storms, or other natural occurrences. It can provide financial protection for both structural damage to the property and destruction of personal belongings, ensuring repairs and replacements are covered after such disasters.

  • Escape of water or oil from household appliances:

    Should household appliances like washing machines, dishwashers, or heating systems leak or malfunction, resulting in water or oil damage, this can help manage repair costs.

  • Theft of household contents:

    This cover can protect against the loss of personal items inside your holiday home, including furniture, electronics, and other valuables, in the event of theft.

  • Accidental damage to household goods, carpets, and sanitary fixtures:

    Accidental damage to items such as furniture, carpets, and fixtures (including sinks or toilets) can be covered under this policy. If an item is damaged by an unexpected incident like a spill, drop, or other mishap, this insurance helps to ensure that repairs or replacements are taken care of.

  • Loss or damage caused by electrical power surges:

    This cover can help if damage is caused to electrical devices and systems within your holiday home caused by sudden power surges. Electrical surges, often caused by lightning strikes or issues with the local grid, can lead to severe damage to electronics, appliances, or even the home’s wiring. This cover can provide financial protection to repair or replace affected items.

Public liability cover

Public liability cover can protect you against the financial risks of letting your holiday home to paying guests. It can offer protection if a guest suffers bodily injury while 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 costs 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 insurance can help to cover the lost income.

Alternative accommodation cover

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

Loss of rent cover

Following an insured incident, we offer cover for loss of rent if you can’t let out your property due to damage.

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, a small issue like a leaky tap when you’re not there that turns into an escape of water can still be covered even when you’re not staying at the property for up to 60 days.

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.

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Why Choose Intasure For Your Holiday Home?

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.

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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

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:

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.

  • How much does Spanish holiday home insurance cost?

    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

  • How do I make a claim?

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

  • Do I need both buildings and contents insurance for my Spanish holiday home?

    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.

  • Do I legally need holiday home insurance for my Spanish property?

    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.

  • 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 properties, including:
    • Villas with pools or hot tubs
    • Caravans and mobile homes
    • City centre and beachside apartments
    • Townhouses
    • Country properties
    If you’re 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.

  • Is it more expensive to insure a Spanish holiday home?

    Yes, insuring a holiday home in Spain can be more expensive than a property in the UK. This is mainly due to additional risks such as different climate conditions, like storms or flooding, and the fact that the property may be left unoccupied for longer periods. Insuring an overseas property often requires specialised cover to address these unique challenges, which can increase the premium.

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Policy Documents

View our policy documents to discover the cover Intasure can provide.

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