Home Insurance in Costa Blanca & Valencia

Insuring a Costa Blanca home

From the apartment towers of Benidorm to the villas of Jávea and the vast urbanisations of the Orihuela Costa, the Costa Blanca packs in an enormous range of property — and an enormous expat community of British, Irish, Dutch, Belgian, Norwegian and German owners. We arrange home insurance for all of it, in plain English.

Local risks worth knowing

The southern Costa Blanca (the Vega Baja around Torrevieja, Orihuela and the Segura river) is prone to gota fría / DANA flash flooding — the September 2019 floods caused widespread damage. The wooded Montgó massif behind Jávea and Dénia carries summer wildfire risk, and the whole coast sees salt-air corrosion and autumn storms. Many homes are holiday properties left empty for months, raising the risk of unnoticed leaks and theft.

What this means for cover

Storm and flood damage is handled partly by your insurer and partly by the Consorcio; getting your buildings and contents sums insured right and arranging proper unoccupied-property cover matters more here than almost anywhere.

What home insurance covers across Costa Blanca & Valencia

Wherever your property sits in Costa Blanca & Valencia, 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.

Setting the right sums insured in Costa Blanca & Valencia

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 Costa Blanca & Valencia rebuild costs and your home.

Holiday homes and non-resident owners in Costa Blanca & Valencia

Many Costa Blanca & Valencia 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.

Claims and the Consorcio in Costa Blanca & Valencia

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.

Get an English-speaking quote in Costa Blanca & Valencia

Tell us about your Costa Blanca & Valencia 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.