Home Insurance for Expats in Spain

Hiring

Coverage for you and your belongings

For fires, robberies, water damage, and other situations

Regardless of if your belongings were stolen, burned, or soaked, you’re covered under home insurance.
We will also pay for your temporary accommodation and other expenses If you can no longer live in your apartment due to a fire or flood.

What’s covered?

Fire and smoke

Our plans cover any material damage to your belongings caused by fire.

Water damage

If there is damage caused by leaks, breaks, or infiltrations from other houses in your belongings, we will compensate you for the damaged items.

Theft

If someone breaks into your home and steals belongings, we will compensate you for the stolen items.

Keys and locks replacement

If an accident happens and you need to change the locks of your home, we will cover the expenses incurred.

Glass

If any glass or mirror elements break, we will cover the costs of replacement.

Legal defense

If legal actions are required due to any item we cover, we will cover these expenses.

Emergency repairs

We have a team ready to help at any time with all sorts of small problems. We will cover the first 3 hours of labor.

Civil liability

If anybody is injured in your home or you cause damage in a neighbor's home, we will cover all costs.

Robbery outside of home

If you're robbed outside of your home or there is a robbery in your garage or cellar, we will cover the cost of stolen properties.

Temporary accommodation

If you can no longer live in your apartment due to a fire or flood, we will pay for your temporary accommodation and other expenses like the price of food if it is greater than usual.

What isn’t covered?

Intentional acts and negligence

You won't be covered if for example, you leave the stove on, which results in burning down your home.

War and nuclear catastrophes

Wars, nuclear catastrophes and related extraordinary events aren't covered by home insurance.

Cases covered by the insurance consortium

Natural catastrophes, insurrections, terrorism, and actions by the army are already covered by the insurance consortium. They are therefore not covered by this policy.