Green, Atlantic northern Spain — from Galicia to the Basque Country and the wine country of La Rioja — has its own climate and property style, and we cover it in English.
"Green Spain" — Galicia, Asturias, Cantabria and the Basque Country — plus inland Navarra and La Rioja, attracts a different kind of owner: those drawn to lush landscapes, traditional stone houses and cities like Bilbao and San Sebastián rather than the costas.
The Atlantic north is wet — high rainfall brings damp, water ingress and a real focus on water-damage cover — and Atlantic storms and river flooding are genuine risks (Bilbao's catastrophic 1983 floods are well remembered). Traditional stone and older properties need careful valuation.
Water damage and storm cover matter more here than almost anywhere, and the Consorcio handles extraordinary floods. Older homes need accurate rebuild valuations.
Wherever your property sits in Northern Spain, 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 Northern Spain rebuild costs and your home.
Many Northern Spain 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 Northern Spain 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.
Apartment and villa cover in upscale San Sebastián.
Home insurance in San SebastiánHome and rural property cover in La Rioja wine country.
Home insurance in La RiojaHome cover across Navarra, from Pamplona to the Pyrenees.
Home insurance in NavarraYes — we arrange everything in plain English, from the quote to the policy documents and any claim, for property anywhere in Northern Spain, even though the policy itself is a Spanish contract.
It depends mainly on the rebuild value, contents sum insured, property type, location within Northern Spain 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 Northern Spain 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 Northern Spain, 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.
