What Documents Do You Need for Home Insurance in Spain?

What documents you need for home insurance in Spain — NIE or passport, property details, rebuild and contents values, and any current policy.

Getting a home insurance quote in Spain is quicker than people expect — you don't need a thick file of paperwork. Having a few details to hand just makes it faster and more accurate. Here's what helps.

Identification

Your NIE (the foreigner's tax number) is the usual identifier, but a passport or TIE is generally fine to get started — and yes, non-residents can insure a Spanish property from abroad. You don't need to be in Spain, or resident, to arrange cover.

Property details

The basics about the home: its type (villa, apartment, townhouse, finca), address, approximate size in square metres, the year built if you know it, and how it's used — main home, holiday home or let. The nota simple or escritura can help confirm details but isn't essential to get a quote.

The two values that matter most

These drive the policy. The buildings (rebuild) value is what it would cost to rebuild the structure from scratch — not the market price or what you paid. The contents value is what it would cost to replace your belongings new. Getting these right avoids Spain's average clause cutting a future claim; we explain it in buildings and contents, and a rough, honest figure is enough to begin.

Your current policy, if renewing

Switching or beating a renewal? Send us your existing policy schedule. It shows the current sums insured and cover, so we can compare like with like rather than guess.

That's genuinely it

NIE or passport, the property basics, two rough values and (if you have one) your current policy — that's all we need to come back with suitable options in plain English. Request a quote and we'll do the rest.

General guidance only — not personal insurance advice. Cover, limits and exclusions vary by insurer and policy, so always check your policy terms. Last updated: May 2026.