Asistencia hogar — 24-hour help when something goes wrong at home.
Home emergency cover — asistencia hogar — is the quietly useful part of a Spanish home policy: a 24-hour line that gets a plumber, electrician or locksmith to your door when something urgent goes wrong. For expats, and especially for owners who aren't always in the country, it's one of the most practical benefits a policy provides. This guide explains what home emergency cover includes in Spain, what counts as an emergency, and why it matters most for holiday and non-resident owners.
Home emergency assistance sends an approved tradesperson when there's an urgent problem that needs making safe, usually 24 hours a day, 365 days a year. It typically covers the call-out and an initial repair to stabilise the situation — stopping a leak, restoring power, securing a door — up to a set limit per incident. Many Spanish policies include it as standard, and a good service will have a network of vetted local tradespeople, which saves you hunting for a reliable plumber in an unfamiliar town in the middle of the night.
The common thread is urgency and safety. Routine maintenance, gradual wear, and cosmetic jobs aren't emergencies and aren't covered — and the initial repair is about making the home safe, not completing a full renovation.
If you live in the property full-time, an emergency is stressful but manageable. If you're a non-resident or own a holiday home, a burst pipe while you're in another country is a different matter entirely — and the empty-property leak that runs for weeks is the most expensive Spanish home claim of all. A 24-hour, English-speaking assistance line that can dispatch someone to a home you can't reach is genuinely worth having, and it's part of why we build home assistance into the cover we arrange.
Home emergency assistance handles the immediate, urgent fix. The larger repair — replacing the damaged ceiling, floor or contents after that burst pipe — falls under your main buildings and contents cover and is handled as a normal claim. The two work together: assistance stops the bleeding, your buildings and contents policy puts things right. See also making a claim.
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.
For most owners yes — a 24-hour, English-speaking line that can get a plumber or locksmith out quickly is valuable, especially for non-residents and holiday-home owners.
It typically covers the call-out and an initial repair to make the property safe, up to a per-incident limit; larger repairs fall under your buildings/contents claim. Cover varies by insurer and policy, so always check your policy terms.
Urgent, safety-related problems — burst pipes, power failures, broken locks, loss of heating, storm damage leaving the home exposed. Routine maintenance isn't included.
Yes — and it's especially useful when you're not there to deal with an emergency yourself.
Tell us about your property and we'll recommend the right cover — in plain English, with no pressure.
