Cover types
Buildings vs contents insurance in Spain
What continente and contenido cover, and how to value each one correctly.
Read moreBuildings, contents, liability and home emergency cover for villas, apartments, holiday homes and rentals — explained in plain English, arranged through 247 Expat Insurance.
We arrange home insurance for residential properties located in Spain — including primary residences, holiday homes and rental properties — for both resident and non-resident owners.
Spanish policies and claims lines are in Spanish, and renewal prices creep up every year. We make it straightforward — three steps and you're covered.
Tell us about your property — type, location, how it's used, and a rough rebuild and contents value.
We explain the cover in plain English — continente, contenido, the Consorcio, the lot. Accept when you're happy.
Once your quote is accepted and documents are in order, cover starts without the usual delays.
Whether it's your main home, a holiday villa, an apartment or a rental — choose the cover that fits.
Cover typeCombined cover with the sums insured set right.
Who it's forProtection for second homes that sit empty.
Who it's forInsure your Spanish property from abroad.
Property typeDetached homes, pools, gardens & outbuildings.
Property typeContents, interior & liability — beyond the community policy.
Who it's forBuildings, liability, tenant damage & rent cover.
Not sure which fits? Read the complete home insurance guide or ask our English-speaking team.
Most policies bundle these together — with optional extras for pools, solar panels and accidental damage.
| Typical cover | Contents | Buildings | Buildings & Contents | Holiday home |
|---|---|---|---|---|
| Buildings / structure (continente) | ||||
| Contents / belongings (contenido) | ||||
| Public liability (responsabilidad civil) | ||||
| Water damage (daños por agua) | ||||
| Fire, theft & storm + Consorcio | ||||
| Home emergency assistance (24h) | option | option | ||
| Accidental damage / pool / solar | option | option | option | option |
Indicative only — cover, limits and exclusions vary by insurer and policy.
We're not a faceless comparison site. We're expat insurance specialists who explain the small print in your language, get the sums insured right, and make sure your situation is covered correctly.
Send it to us and we'll check whether we can find you a better option for your property in Spain. We can't promise a lower price every time — but we'll be honest about what we can do.
Have these to hand and we'll get your quote sorted fast.
Practical, plain-English guidance for expat property owners.
What continente and contenido cover, and how to value each one correctly.
Read moreWhat the comunidad policy covers — and the cover you still need yourself.
Read moreWhy holiday and second homes need different cover during empty periods.
Read moreSpanishHomeInsurance.es is powered by 247 Expat Insurance — a specialist serving English-speaking property owners across Spain.
Your cover is arranged through 247 Expat Insurance, who have built their reputation helping English-speaking owners insure property in Spain.
Policies are underwritten by Grupo Caser Helvetia, one of Spain's largest insurers — so your cover sits behind a major, established name.
Cover is arranged by a regulated insurance agent registered with Spain's insurance regulator (the DGSFP). Our full registration details are in the legal notice.
The quote, your policy documents and any claim are handled in plain English, seven days a week — including dealing with the loss adjuster on your behalf.
For most owner-occupiers it isn't legally compulsory. But if you have a Spanish mortgage, the lender will normally require at least buildings (continente) cover for the life of the loan, and apartment owners usually still need their own contents and liability cover even when the community insures the building. Rules vary — ask us if you're unsure.
Yes. We arrange cover for non-resident and overseas owners, including holiday homes that sit empty for part of the year — all handled in English, with documents sent by email.
Buildings (continente) covers the structure of the property; contents (contenido) covers your belongings inside it. Many owners take both. Insure buildings at the rebuild cost and contents at replacement value — not the purchase price. Cover varies by insurer and policy, so always check your policy terms.
Water damage (daños por agua) is the single most common Spanish home claim and is typically covered, though limits and conditions vary by insurer and policy. It's also the most common claim between neighbouring apartments. Cover varies by insurer and policy, so always check your policy terms.
Usually yes. Your community of owners insures the building's structure and common areas, but not your belongings, your interior or your personal liability. See our community vs home insurance guide.
Extraordinary events such as major floods and severe storms are compensated in Spain by the Consorcio de Compensación de Seguros, funded by a small surcharge on every home policy. Ordinary storm and water damage is handled by your insurer.
Premiums vary by the property, its location, rebuild and contents values, occupancy and insurer. Any prices shown are indicative only — ask us for a personalised quote, it only takes a few minutes.
Use our quote form and a 247 Expat Insurance specialist will be in touch in English, or reach us on WhatsApp or by phone. Tell us the property type, where it is and how it's used, and we'll do the rest.
Fast, accurate home insurance quotes for expats across Spain. In English, no stress, no hidden fees.