Looking for home insurance in Bilbao? We arrange buildings, contents and combined home insurance for expats and foreign owners across Bilbao and Northern Spain — villas, apartments and holiday homes alike — and explain every policy in plain English.
Bilbao is the regenerated Basque city of the Guggenheim and the Nervión riverfront, a year-round home of elegant apartments.
As a riverside city with heavy rainfall, water damage and flood awareness lead the way — the 1983 Nervión floods devastated the centre — alongside the usual inter-flat claims.
Period and modern apartments across the city and along the river.
Whatever you own in Bilbao, we can arrange cover in English:
The two figures that matter most are the buildings sum insured (what it would cost to rebuild your Bilbao 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 Bilbao 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 Bilbao 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 Bilbao 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 Nervión has flooded historically (notably 1983); extraordinary floods are handled by the Consorcio.
Yes — for contents and liability beyond the community cover.
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 Bilbao 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.
