Cover for your belongings (contenido) — valued at replacement cost.
Contents insurance — seguro de contenido — covers the things you'd take with you if you moved: furniture, electronics, clothing, kitchenware and valuables. It's the cover that matters most for renters and apartment owners, and the one people most often under-value. This guide explains what contents cover includes in Spain, how to value your belongings properly, and how it works for apartments, holiday homes and renters.
Contents cover protects your movable belongings against theft, fire, water damage and storm. That includes furniture, white goods, electronics, clothing and general household items, and — up to a limit — valuables like jewellery, watches and art. Many policies also cover food spoilage after a power cut, and items temporarily removed from the home; accidental damage and all-risks cover for items you carry out (a laptop, a bike, a camera) are usually available as extras.
The right figure is the replacement (new-for-old) cost of everything you own — what it would cost to buy it all again today, not its second-hand value. The reliable way to arrive at it is to go room by room: furniture, electronics, white goods, clothing, kitchen, then valuables. Most people are surprised how quickly it adds up, which is exactly why under-valuing is so common.
Policies usually cap the amount payable for any single item unless it's specifically listed. So a wedding ring, a good watch, a laptop or a piece of art worth more than the standard limit should be declared individually, often with a valuation. Tell us about your higher-value possessions and we'll make sure the limits and any all-risks extension actually cover them.
Contents cover is essential in three common situations. Apartment owners: the community policy covers the building, never your belongings — so your contents are entirely your own responsibility. Holiday-home owners: contents left in a property that stands empty need theft and water-damage cover that recognises the empty periods — see holiday home insurance. Renters: you don't insure the structure at all, so contents (plus liability) is exactly what you need — see tenant insurance. The table shows how contents-only compares with the other cover types:
| 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.
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.
Your belongings inside the home — furniture, electronics, clothing and valuables — against theft, fire, water damage and storm. Cover varies by insurer and policy, so always check your policy terms.
No — the community policy covers the building's structure and common areas, not your belongings. Apartment owners need their own contents cover. Cover varies by insurer and policy, so always check your policy terms.
Usually up to a single-item limit; higher-value items should be listed separately, sometimes with a valuation. We'll confirm and arrange the right limits.
Use the replacement (new-for-old) cost of everything you own, worked out room by room. Under-declaring can reduce a claim under the regla proporcional.
Tell us about your property and we'll recommend the right cover — in plain English, with no pressure.
