Home cover across the Basque Country.
Looking for home insurance in Basque Country? We arrange buildings, contents and combined home insurance for expats and foreign owners across Basque Country and Northern Spain — villas, apartments and holiday homes alike — and explain every policy in plain English.
The Basque Country combines the cities of Bilbao and San Sebastián with a rugged green coast and traditional baserri farmhouses inland.
High rainfall and Atlantic storms make water-damage and flood cover important (the 1983 Bilbao floods are a stark example); older homes need careful valuation.
City apartments, coastal villas and rural farmhouses.
Whatever you own in Basque Country, we can arrange cover in English:
The two figures that matter most are the buildings sum insured (what it would cost to rebuild your Basque Country property from scratch, not its market value) and the contents sum insured (the cost to replace your belongings). Under-insuring either can lead to a proportionally reduced payout at claim time, so we help you set both correctly for the local rebuild costs and your home — see buildings & contents insurance.
Many properties in Basque Country are holiday or second homes owned from abroad. We arrange cover that continues while the property is empty, and handle everything in English — see holiday home insurance and non-resident home insurance.
If you let your Basque Country property long-term or to holidaymakers, ask about landlord and holiday-rental cover — a standard owner policy may not respond to tenant or guest risks.
If something happens, report it to us as early as you can, take steps to prevent further damage and keep photographs and receipts. We manage the claim with the insurer in English so you are not negotiating a Spanish process alone. Extraordinary events — major floods, earthquakes, severe storms officially declared — are compensated separately by Spain's Consorcio de Compensación de Seguros, funded by a small surcharge already included in your premium.
Tell us about your Basque Country property — the type, its location, roughly what it would cost to rebuild and the value of your contents — and we'll come back with suitable options explained in plain English. You can request a quote online, message us on WhatsApp, or call an adviser directly.
The wet Atlantic climate and river flooding make it a priority.
Yes — valued to reflect its construction and outbuildings.
Yes. We arrange everything in plain English — the quote, the policy documents and any claim — so nothing is lost in translation, even though the policy itself is a Spanish contract. You deal with English-speaking advisers throughout.
The premium depends mainly on your rebuild (buildings) value, the contents sum insured, the property type and the location and occupancy of the home. We give you a tailored figure for your Basque Country property rather than a one-size-fits-all price — any figures shown are indicative only.
Home insurance is only legally required if you have a Spanish mortgage, where the lender requires buildings cover for the life of the loan. Otherwise it is strongly recommended but optional — most owners still insure contents and personal liability.
Yes. We arrange cover for second homes and properties owned from abroad, including the periods when the home is left empty. See holiday home and non-resident home insurance.
Tell us about your property and we'll recommend the right cover — in plain English, with no pressure.
