Mallorca, Ibiza, Menorca and Formentera draw international owners to high-value villas and apartments — and we arrange cover for all of them, in English.
The Balearics are home to a wealthy, international community of British, German, Scandinavian and other owners, from Mallorca's fincas and Palma apartments to Ibiza's villas and Menorca's quieter coast.
Autumn storms and the occasional intense flash flood (Sant Llorenç on Mallorca was hit hard in 2018) are the main weather risks, alongside coastal salt and the fact that many homes are high-value second homes left empty for long stretches.
Accurate rebuild values matter on premium villas and fincas, and island logistics make a reliable, English-speaking home-emergency service valuable. Most owners are non-resident — see non-resident and holiday-home cover.
Wherever your property sits in Balearic Islands, a Spanish home policy (seguro de hogar) bundles cover for the building (continente), your contents (contenido), public liability and a 24-hour home-assistance service, responding to water damage, fire, theft and storm. Most owners take combined buildings and contents cover; apartment owners focus on contents and liability over the community policy (see community vs home insurance), and renters need tenant cover.
The two figures that matter most are the buildings sum insured — the cost to rebuild the property, not its market price — and the contents sum insured at replacement value. Under-declaring either lets a Spanish insurer reduce a claim under the regla proporcional (average clause), so we help you set realistic figures for local Balearic Islands rebuild costs and your home.
Many Balearic Islands properties are holiday or second homes owned from abroad and empty for parts of the year. Cover can continue through the empty months with sensible conditions — see holiday home insurance and non-resident home insurance. If you let the property, ask about landlord and holiday-rental cover.
Everyday claims — water damage, fire, theft, ordinary storm — are handled by your insurer; major declared catastrophes such as serious floods are compensated by Spain's Consorcio de Compensación de Seguros, based on your sums insured. We manage either route in English on your behalf — see making a claim.
Tell us about your Balearic Islands property — type, location, rough rebuild and contents values, and how you use it — and we'll come back with suitable options explained in plain English. Request a quote online, message us on WhatsApp, or call an adviser directly.
Choose your town for local information and an English-speaking quote.
City-apartment and townhouse cover in Palma.
Home insurance in Palma de MallorcaVilla, finca and apartment cover across quieter Menorca.
Home insurance in MenorcaYes — we arrange everything in plain English, from the quote to the policy documents and any claim, for property anywhere in Balearic Islands, even though the policy itself is a Spanish contract.
It depends mainly on the rebuild value, contents sum insured, property type, location within Balearic Islands and how often the home is occupied. We give a tailored figure rather than a one-size-fits-all price — any figures shown are indicative only.
The community policy covers the building's structure and common areas only — not your contents, the interior of your flat or your personal liability — so most apartment owners in Balearic Islands still need their own policy. Cover varies by insurer and policy, so always check your policy terms.
Yes — we arrange cover for second homes and properties owned from abroad across Balearic Islands, including the periods when the home is left empty, all handled in English.
Report it to us as soon as you can with photos; we manage the claim with the insurer in English. Major declared catastrophes are handled by the Consorcio de Compensación de Seguros, based on your sums insured.
Tell us about your property and we'll recommend the right cover — in plain English, with no pressure.
