What should a home insurance policy for expats in Spain include?
In Spain, a home insurance policy must include certain coverages required by law. However, as an expat, in addition to these basic coverages, it's important that the policy offers additional benefits tailored to the specific needs of those living outside their home country.
- Multirisk Coverage:
- Protection against damages from natural disasters, domestic accidents, and theft;
- Includes third-party damages.
- Adaptation to International Needs:
- Assistance in multiple languages to facilitate communication;
- Coverage for belongings transported from your home country.
- Guarantee that the insurance complies with Spanish regulations.
Best home insurance companies in Spain
There are over 200 home insurers in Spain, making it a complex task to choose the right one, especially as an expat. Therefore, we have analyzed the available options and selected those that stand out for their value for money, comprehensive coverage, and strong reputation. Below, we present the best home insurance companies for expats in Spain:
| Insurer | Advantages |
|---|---|
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100% online insurer with very low prices. |
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English-speaking support and coverage adapted for expats. |
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Extensive coverage and strong reputation. |
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Extensive coverage and excellent customer service. |
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Customizable insurance with good customer support. |
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One of the oldest insurers in Spain. |
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Backed by La Caixa bank. |
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Insurer with over 15 years of experience. |
Best home insurance plans in Spain
The best home insurance in Spain in 2026 are Mapfre Tú Eliges, Santalucía Hogar Eficaz y Occident Hogar Estándar.
Prices calculated for a flat in an urban area, in Madrid, of 71 m².
1. Occident Hogar Estándar
Occident's home insurance offers comprehensive protection for your home and family, covering the most common risks (such as fire, theft and water damage), as well as less frequent but equally important situations, including appliance breakdowns, electrical damage and civil liability.
It also includes 24-hour home assistance, emergency boiler repair and legal defence, all designed to give you peace of mind whenever the unexpected happens.
- Fire and related risks
- Atmospheric damage
- Impact, vandalism and other material damage
- Water damage and related civil liability
- Claim-related expenses
- Electrical damage to installations
- Breakdown of electrical and/or electronic equipment (including home appliance repair service)
- Theft, robbery and burglary
- Family civil liability
- Employer's civil liability
- Environmental civil liability
- Breakages: glass, mirrors, sanitary ware, worktops, ceramic hobs, solar panels and mobile phone screens
- Refrigerated goods
- Temporarily displaced belongings
- Professional use equipment
- Pets
- All-risk accidental damage
- Tenancy agreement defence
- Comprehensive landlord protection
- Home assistance
- DIY home service
- Emergency boiler repair service
- Online IT assistance
- Claims and legal defence
2. Santalucía Hogar Eficaz
Santalucía's Hogar Eficaz is an affordable yet comprehensive insurance policy that protects your home against the most common risks, including water damage, fire, theft and adverse weather events.
It also includes standout features such as payment protection in the event of unemployment or temporary incapacity, and offers a wide range of optional add-ons so you can tailor your policy to your specific needs.
- Fire and related risks (fire, lightning, explosion, smoke and garden reconstruction)
- Water damage
- Adverse weather events and flooding (rain, hail, snow, flooding and mudslides)
- Theft and vandalism (theft, property damage, burglary, vandalism and temporarily displaced belongings)
- Collision damage
- Falling trees, poles and antennas
- Fire extinguishing costs
- Salvage costs
- Demolition and debris removal costs
- Uninhabitability expenses
- Security personnel costs
- Civil liability
- Home maintenance connection service
- Payment protection
- Reconstruction and/or replacement as new
- Accidental collapse
Optional coverages
- Electrical damage
- Legal protection
- Emergency home assistance
- Breakages (glass, marble and sanitary ware)
- Aesthetic restoration of the property
- Extended damage and expenses cover
- Cash and cheques
- Lock replacement
- Landlord cover (loss of rental income, legal protection and civil liability)
- Tenant cover (civil liability for property damage and legal protection)
3. Mapfre Tú Eliges
Mapfre's Hogar Tú Eliges is a modular, fully customisable policy that adapts to the real needs of each home. It includes emergency assistance and fire cover as standard, with the option to add the guarantees each policyholder actually needs — such as water damage, theft, adverse weather events, civil liability or DIY assistance.
A flexible solution for those who only want to pay for what they truly need.
- Fire and electrical damage
- Emergency assistance
Optional coverages
- Adverse weather events (wind, rain, hail and snow)
- Water damage (including pipe location and repair costs)
- Breakages (sinks, sanitary ware, glass, shower screens, worktops and fixed shelving)
- Theft, robbery and misappropriation (within the property)
- Civil liability, including rental use (habitual, holiday or tourist)
- DIY assistance (one callout per year, up to 3 hours of labour)
Cheapest home insurance plans in Spain: best quotes
| Insurer | Insurance | Annual Price | Get a quote |
|---|---|---|---|
| Tuio | Propietarios | €111 | Calculate insurance |
| Santalucía | Hogar Eficaz | €154 | Calculate insurance |
| Caser | Hogar Online | €205 | Calculate insurance |
To find the cheapest home insurance in Spain, we analyzed prices from the main insurers, including Axa, Allianz, Catalana Occidente, Caser, Direct Seguros, Generali, Línea Directa, Lovys, Mapfre, Movistar Seguros, Mutua Madrileña, Nationale Nederlanden, Ocaso, Pelayo, Santalucía, Tomamos Impulso, Tuio, Verti, and Zurich.
How to get a home insurance quote?
Many people think that home insurance quotes can only be obtained directly from insurance companies, but the truth is that there are intermediaries who facilitate the process. These intermediaries work with multiple companies to find the best insurance for those who consult them, as is the case with Selectra.
If you want to get home insurance quotes and find a price that suits your needs, you can use the button at the top of this page.
What influences the price of homeowners insurance in Spain?
When calculating the cost of house insurance in Spain, several factors come into play, directly impacting the premium you'll pay. Understanding these elements can help you make informed decisions and potentially reduce your insurance costs. Below, we break down the key aspects that influence home insurance pricing:
- The Property's Characteristics:
- Location: Homes in areas prone to natural disasters, such as floods or earthquakes, may have higher premiums. Similarly, urban areas might have lower costs than rural ones due to better emergency services;
- Type of Property: Whether it's an apartment, a detached house, or a villa affects the price. Larger properties or those with unique features tend to have higher premiums;
- Age and Condition: Older homes or those with outdated electrical and plumbing systems may pose higher risks, increasing the cost;
- Size of the Property (Square Meters): The total size of the property is also a key factor. Larger homes with more square meters generally have higher premiums, as they require more resources to repair or rebuild in the event of a claim.
- Type of Coverage:
- Basic vs. Comprehensive: A policy covering only essential risks (fire, theft, etc.) will cost less than a comprehensive plan that includes accidental damage, liability, or legal assistance;
- Contents Coverage: Insuring high-value belongings, such as jewelry or electronics, adds to the cost.
- Security Measures: Properties with enhanced security features like alarm systems, reinforced doors, or CCTV often qualify for discounts since they reduce the risk of theft.
- Your Insurance History: Insurers may offer lower premiums to homeowners with a clean claims history. Conversely, frequent claims could increase your rates.