Luxury villa and apartment cover across Marbella, the Golden Mile and Puerto Banús.
Looking for home insurance in Marbella? We arrange buildings, contents and combined home insurance for expats and foreign owners across Marbella and Costa del Sol & Andalucía — villas, apartments and holiday homes alike — and explain every policy in plain English.
Marbella is the Costa del Sol's most prestigious address — the Golden Mile, Puerto Banús, Nueva Andalucía and Sierra Blanca — with high-value villas, gated urbanisations and frontline apartments owned by a wealthy international community.
High-value property makes accurate rebuild values and generous contents and valuables limits essential, while hillside estates face wildfire exposure and the coast saw flash flooding in the 2024 storms.
From frontline penthouses and gated-community apartments to large villas with pools and grounds on the Golden Mile and in the hills.
Marbella spans a huge range of property, and the cover follows it. Along the Golden Mile and in Sierra Blanca, high-value villas with pools, landscaped gardens, gates and outbuildings need a rebuild figure that captures all of it — not just the main house — and a strong liability limit for the pool and the guests who visit. In Nueva Andalucía and around Puerto Banús, a mix of luxury apartments and townhouses sit within communities, so owners insure contents, interiors and liability over the top of the community policy. Out in Elviria, Las Chapas and the eastern urbanisations, second homes and holiday villas dominate, which puts the empty-period question front and centre.
Two recurring issues. First, under-valuing high-end villas — bespoke finishes, pools and outbuildings push the true rebuild cost well above what owners guess, and the average clause punishes the shortfall. Second, holiday and rental use — a great many Marbella homes stand empty for stretches or are let to holidaymakers, and a standard owner policy may not cover empty periods or guest risks. Tell us how the property is really used and we'll match it; see villa insurance and holiday home insurance.
Whatever you own in Marbella, we can arrange cover in English:
The two figures that matter most are the buildings sum insured (what it would cost to rebuild your Marbella 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 Marbella 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 Marbella 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 Marbella 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.
With an accurate rebuild value and sensible contents and valuables limits — under-insurance is the biggest risk on premium property. We'll help.
Up to policy limits, with high-value items often listed separately. We'll set the right limits for your home.
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 Marbella 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.
