For owners who let their property — and for renters.
For owners who let their property — and for renters.
The moment you let a Spanish property — long-term to tenants or short-term to holidaymakers — your insurance needs change, and a standard owner-occupier policy may not respond to tenant or guest risks. Long-term lets need landlord insurance (buildings, owner liability, tenant damage and optional rent guarantee), while short tourist lets need holiday-rental cover with strong guest liability — and usually a regional tourist licence (VUT).
The answers below cover what landlords need, whether home insurance covers Airbnb guests, rent guarantee (impago de alquiler), tourist licences, and the cover renters need for their own belongings.
The single biggest distinction is how you let. A long-term let on a standard contract centres on the building, tenant damage, owner liability and protecting your rent (rent guarantee). A short tourist let centres on guest liability and damage, higher turnover, and a regional tourist licence (VUT) — often with a liability-cover condition. Running a holiday let on a long-term or owner-occupier policy can leave you exposed, so the cover must match how you actually let. And if you're the tenant rather than the owner, you need your own contents and liability cover, because the landlord insures only the building.
For a property let on a standard contract, long-term rental cover protects the building, the contents and fixtures you provide, your liability as owner, and tenant-caused damage. The standout add-on is rent guarantee.
Protects your rental income and the legal costs of recovering possession if a tenant stops paying — valuable given how long Spanish evictions can take. It's usually offered for long-term lets subject to tenant vetting; availability varies by insurer.
Short lets to holidaymakers carry higher turnover and guest-injury exposure, so holiday-rental cover prioritises guest public liability and damage, and most regions require a tourist licence (VUT) — often with a liability-cover condition attached.
Platform protection such as Airbnb's AirCover is limited, conditional and capped — a backstop, not a substitute for proper cover. Hosts still need their own home and liability insurance rated for letting; see Airbnb insurance.
If you're the tenant rather than the owner, the landlord insures only the building. You need tenant insurance for your contents and your liability for damage you cause.
A landlord policy generally brings together: buildings cover at rebuild value; landlord contents — the white goods, furniture and fittings you provide (not the tenant's own belongings); property-owner liability for injury or damage to tenants, guests or third parties; tenant-caused damage to the property; and the standard perils of water damage, fire, theft and storm, plus the Consorcio surcharge. On top, you can usually add rent guarantee and legal expenses. The exact mix depends on whether you let long-term or to holidaymakers, and on the regional licensing rules.
A very common situation: you bought a flat, moved on, and now let it out. The owner-occupier policy you had no longer fits — switch to landlord cover so tenant and liability risks are properly insured. If it's an apartment, remember the community policy still covers only the building's common parts, not your let flat's interior, contents or your landlord liability. Tell us about the change and we'll move you onto the right footing.
The answered questions below cover the rest.
Buildings at rebuild value, landlord contents and fixtures (the furnishings you provide), property-owner liability and tenant damage, plus optional rent guarantee and legal expenses. See landlord insurance.
A standard owner-occupier policy often won't respond once you let to paying guests — you need host/holiday-rental cover with strong guest liability. See Airbnb insurance and holiday rental insurance.
A long-term let focuses on the building, tenant damage and rent guarantee; a holiday let focuses on guest liability and damage with high turnover, and usually needs a tourist licence. They're insured differently.
It protects your rental income and covers legal costs if a tenant stops paying — valuable given how long Spanish evictions can take. It's usually offered for long-term lets, subject to tenant vetting. Availability varies by insurer — ask us.
Most regions require a tourist licence (VUT or equivalent) to let legally, and many require public liability cover as a condition. Rules differ by region and platforms increasingly ask for the licence number. We'll guide you.
It can — landlord policies often include liability and, as an add-on, legal expenses for tenant-related disputes such as non-payment, damage or recovering possession, handled in English.
No — platform cover (such as AirCover) is limited, conditional and capped, and only applies to platform bookings. It's a backstop, not a substitute for proper home and liability insurance.
Yes — switch from an owner-occupier policy to landlord cover so tenant damage and property-owner liability are properly insured. Tell us and we'll move you onto the right footing.
No — landlord contents cover is for the fixtures and furnishings you provide. The tenant insures their own belongings with their own tenant policy.
Yes if you want your things and liability protected — the landlord insures the building only, not your belongings or your liability for damage you cause. See tenant insurance.
Yes — we arrange landlord cover for owners living abroad, entirely in English, and manage any claim on your behalf.
Tell us about your property and we'll recommend the right cover — in plain English, with no pressure.
