Cover for short-term and tourist lets — guest liability, guest damage and contents.
Letting your Spanish property to holidaymakers — a few weeks a year or as a steady short-let business — is a great way to make it pay for itself. But tourist letting carries risks an ordinary home policy was never meant to cover, and most Spanish regions now regulate it tightly. This guide explains holiday rental insurance in Spain: what it covers, how it differs from a long-term let, and how the tourist-licence (VUT) rules tie into your cover.
Short-term letting changes the risk in three ways: more people pass through the property, more wear and accidents happen with guests who don't treat it as their own home, and your liability exposure rises — if a guest is injured by a faulty step, a loose balcony rail or a pool, you could be held responsible. A standard owner-occupier policy will often decline a claim once it learns the property was being let to paying guests, which is exactly the wrong moment to find out. Holiday rental cover is built for this.
Most Spanish regions require a tourist licence — a vivienda de uso turístico (VUT) or the regional equivalent — to let legally to holidaymakers, and the rules differ markedly between Andalucía, the Valencian Community, Catalonia, the Balearics and the Canaries. Many licensing regimes require public liability cover as a condition, and some set a minimum limit. Letting without the right licence can bring fines and can also undermine an insurance claim. Tell us where the property is and how you let it, and we'll make sure the liability cover fits the local requirement.
If you let through a platform, note that the platform's own protection is limited and conditional — see Airbnb insurance for why it isn't a substitute for proper cover. If you actually let long-term on a standard contract rather than to tourists, you want long-term rental insurance instead, where rent guarantee rather than guest liability is the priority. This page sits under our broader landlord insurance.
General guidance only — not personal insurance or legal advice. Cover, limits, licensing and exclusions vary by insurer, policy and region, so always check your policy terms and local rules. Last updated: May 2026.
Yes — standard owner-occupier cover may not respond to guest-related risks. Holiday rental cover is designed for short-term and tourist letting.
Guest damage can be covered, along with guest liability. Cover varies by insurer and policy, so always check your policy terms — tell us how you let the property and we'll arrange the right one.
Most regions require one, and many require public liability cover as a condition. Rules vary by región — tell us where the property is and we'll guide you.
No — platform cover (such as Airbnb's) is limited and conditional and isn't a substitute for proper home and liability insurance.
Holiday lets focus on guest liability and damage with high turnover; long-term lets focus on the building, tenant damage and rent guarantee. They're insured differently.
Tell us about your property and we'll recommend the right cover — in plain English, with no pressure.
