Home Insurance in Spain: quotes from 108 €/year | Best Comparison
Moving to Spain as an expat is an exciting experience, but it also requires taking important steps to protect your new home. One of these essential steps is getting the right home insurance. If you're an expat in Spain, this article will help you understand how to choose an insurance policy that suits your needs and compare prices to find the best option.
Why is home insurance important in Spain??
Home insurance not only protects your property from damages such as fire, floods, or theft, but it also covers your personal belongings and provides liability coverage. For expats, it’s crucial to choose a Spanish home insurance policy because regulations and coverage options may differ from those in your home country.
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 |
|---|---|
 | 100% online insurer with very low prices. |
 Caser | English-speaking support and coverage adapted for expats. |
 | Extensive coverage and strong reputation. |
 | Extensive coverage and excellent customer service. |
 | Customizable insurance with good customer support. |
 | One of the oldest insurers in Spain. |
 | Backed by La Caixa bank. |
Best home insurance plans in Spain
The best home insurance in Spain in 2025 are Tuio Hogar, Mapfre Tú eliges y Caser Prestigio.
108 €/year
Hogar
- Basic coverage: theft, fire, electrical damage...
- Emergency home assistance
- Breakages
- Forced eviction
- Aesthetic damage
- Legal defense
Civil liability up to 300.000 €
241 €/year
Hogar Completo
- Damage from fire, water, and other causes
- Theft
- Accidental collapse
- Breakages of vitro and glass
- Electrical damage
- Damage to food in the fridge and freezer
- Home assistance and DIY
- Legal protection
Civil Liability
401 €/year
Prestigio
- Basic coverage: theft, fire, electrical damage...
- Emergency home assistance
- Breakages and DIY
- Travel assistance
- Comprehensive accidental damage
- All-risk material damage
- Comprehensive legal defense
Civil liability up to 600.000 €
1. Tuio Hogar
Tuio Hogar offers the lowest price in the market, achieving this with a 100% online approach, making it stand out for its easy digital management through its app.
This home insurance provides basic coverage, including protection against water damage, fire, explosions, breakages (such as glass or ceramic cooktops), and home assistance. It also allows you to customize your policy based on the coverage you need.
Key coverages
- Key and lock replacement
- Damage from weather events
- Water damage
- Fire, explosion, and smoke
- Handyman and home assistance: includes 3 hours of labor and travel costs for professionals in plumbing, locksmithing, appliance repairs, and electrical failures
- Theft, robbery, and pickpocketing
- Civil liability (including your pet)
- Legal defense and damage claims
- Forced eviction or uninhabitability
- Aesthetic damage (optional)
- Marble and ceramics (optional)
Tuio is also known for its quick response in emergencies, with a technician arriving at the home in a short time-something highly appreciated in critical situations.
2. Caser Prestigio
Caser Prestigio is a home minsurance plan with a higher price compared to Tuio and MAPFRE, which are in this ranking, but it is also a much more comprehensive insurance that goes beyond standard coverage.
Key coverages
- Fire, lightning, and explosion
- Weather events (rain, wind, hail, snow)
- Drain repair and unblocking due to flooding
- Poster sticking and graffiti
- Impact from vehicles and animals
- Electrical damage
- Sonic waves
- Spillage from automatic fire extinguishing systems
- Water damage (plumbing in blockages and leaks)
- Theft inside and outside the home and fraudulent use of credit cards
- Breakage of household items
- Aesthetic restoration of household items
- Food spoilage
- Temporary relocation and vacations of valuable items, jewelry, cash, and furniture
- Moving valuable items and furniture by transport companies
- Rental expenses for one year due to uninhabitability
- All-risk material damage
- High civil liability
- Home assistance (claims, locksmithing, glasswork, electrical, plumbing, and TV replacement)
- Two annual services with 3 hours of labor for DIY
- Travel assistance with €12,000 in medical expenses and 10 days of stay at a four-star hotel
- Travel assistance for loss or theft of checked luggage
- Computer assistance
3. Santalucía Hogar Completo
Santalucía Hogar Completo offers an excellent value for money. If you need more than the basic coverages, it’s a great option, as it includes almost all the available coverages for a home insurance policy, and its price is under 300 € per year.
Key coverages
- Breakage of glass, mirrors, windows, and acrylic pieces
- Breakage of marble, granite, and artificial stones
- Breakage of kitchen ceramic elements
- Breakage of fixed sanitary appliances
- Demolition and debris removal costs
- Fire extinction costs
- Damage caused by electricity (Electrical alteration)
- Damage from smoke
- Vehicle collision
- Sonic waves
- Garden reconstruction
- Falling trees, poles, and antennas
- Damage to food in fridges or freezers
- Extraordinary risks
- New value insurance
- Salvage costs
- Fire and additional risks
- Weather events and flooding
- Complete home and DIY assistance
- Home assistance
- Connection for home maintenance
- Comprehensive legal protection
- Theft and pillaging
- Medical assistance in case of robbery
- Cash and checks
- Robbery in storage room
- Damage to the property due to theft
- Robbery outside the home
- Mobile phone theft
- Pickpocketing
- Fraudulent use of credit cards
- Lock replacement due to theft, robbery, or loss
- Theft and vandalism
- Vandalism or malicious acts
- Uninhabitability of the home
- Temporarily displaced goods
- Security personnel costs
- Accidental collapse
- Replacement
- Public document replacement costs
- Replacement of personal identification documents
- Civil liability
- Payment protection (for unemployment, temporary disability, and hospitalization)
Cheapest home insurance plans in Spain: best quotes
The cheapest home insurance in Spain are Tuio’s home insurance (€108), Lovys Basic insurance (€137), and Mapfre’s Tú Eliges insurance (€187).
| Insurer | Insurance | Annual Price |
|---|---|---|
| Tuio | Hogar | 108 € |
| Lovys | Básico | 137 € |
| Mapfre | Tú eliges | 187 € |
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 click the button below.
We calculate your home insurance for free
Specialized agents offering expert advice on the insurance market.
Save up to €70 per year on your policy.
We calculate your home insurance for free
Specialized agents offering expert advice on the insurance market.
Save up to €70 per year on your policy.
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.
