Spanish Holiday Home Insurance Comparison
Need to Compare Cheap Spanish Holiday Home Insurance
- Look for cheap Spanish holiday home insurance in a matter of minutes
- Compare multiple policies with one short form
- Top deals from many of the UK’s best insurance providers
Spanish Holiday Home
Why do I need Spanish holiday home insurance?
Having a Spanish holiday home is a joy for many who love the sun and a getaway, however not so many people enjoy finding the relevant insurance. Although home insurance for your Spanish property is not a legal requirement under Spanish law, it is highly recommended that you take out some level of coverage even if you will be in the property for most of the year. The reasons for this are fairly simple, if your Spanish property is subjected to damage, theft or vandalism, repairs can be expensive. It can be particularly stressful if you are not based in Spain for the majority of the year also, so having the right cover can be invaluable for getting peace of mind after an incident.
Do I need special insurance for my Spanish holiday home?
Many Spanish holiday homes unfortunately cannot be insured by a standard home insurance policy. This is due to many Spanish holiday homes being vacant for more than 30 days per year or used as holiday home rental. Getting the right holiday home insurance depends on what you wish to use your Spanish holiday home for. This can include holiday home let insurance if you are planning on letting out the property in your absence.
Will I be able to insure my Spanish holiday home if I am gone most of the year?
Many insurers get nervous at the idea of a property which is left empty for much of the year. This is because statistically incidents such as theft, vandalism and leaks tend to affect vacant houses more than those that are occupied. However some specialists will insure your Spanish holiday property regardless of how long you are away whilst others may set a limit of 30 – 90 days absence.
Do I need public liability coverage for my Spanish holiday home?
It is not a legal requirement to have public liability insurance in Spain for housing but it is recommended you have it to cover members of the public who are injured at your holiday home.
Comparing quotes with a panel of specialist UK based lenders has never been easier. Shop for cheaper Spanish holiday home insurance today!
Which Spanish property cover fits how you use it?
The right policy depends on the type of property and who stays there. Find your situation below.
| Your Spanish property | What to check |
|---|---|
| A villa used for family holidays | Empty-period limits and winter conditions |
| An apartment in a community block | What the community’s policy covers, and what is left to you |
| A home let to holidaymakers | Public liability for guests and loss of bookings |
| A property being renovated | Whether building work is allowed under the policy |
| A home in France or elsewhere | France or overseas property |
Your stays in Spain and the 90-day rule
Entry rules limit how long most British owners can stay, so the home is often empty for months. GOV.UK says visits are capped at 90 days in any 180-day period without a visa.
GOV.UK adds that the EU’s new Entry/Exit System is now being introduced across Schengen countries. Plan your visits, then tell the insurer the usual pattern.
Checklist before you compare Spanish property quotes
Have these ready to get an accurate price.
- The full Spanish address and the property type
- The rebuild cost, plus any pool, terrace or outbuildings
- Months you usually stay and the longest empty spell
- Whether you let it, and through whom
- Who holds a key and checks the property
- Any unpaid utility bills or local taxes from the seller, which the FCDO suggests checking before you buy
Tiger.co.uk compares holiday property quotes from a panel of over 50 providers with one short form, including homes in Spain.
Can I insure a Spanish apartment in a shared building?
Yes. Ask the community of owners for a copy of the building’s own policy first. Then insure your contents and anything that policy leaves to individual owners.
Does my Spanish home policy cover me when I travel there?
No. A property policy covers the home, its contents and your liability as owner. For your own trips, look at travel insurance as well.
Do I need to declare holiday lets on my Spanish property?
Yes. Paid stays change the risk, so tell the insurer before the first booking. You may also need to register the let locally.
Does Spanish home cover include a swimming pool?
Some policies include pools and pumps, and some need them listed. Give their value when you ask for quotes.
Can I compare quotes for Spanish property in English?
Yes. Tiger.co.uk lets you compare quotes with one short form, and UK-based providers usually issue documents in English.
Compare holiday home insurance for Spain with Tiger.co.uk. Policies vary, so check the documents before you buy.
Fact-checked by Ian Wilson, Managing Director at Tiger.co.uk. 20+ years in price comparison; MEng, Queen’s University Belfast.