Cover for property you let long-term — buildings, liability, tenant damage and rent protection.
Letting a Spanish property on a standard long-term contract (a contrato de arrendamiento) is one of the more stable ways to be a landlord — but it still needs the right insurance. A long-term let exposes you to tenant damage, liability, loss of rent and the long timelines of the Spanish rental system. This guide explains what long-term rental property insurance in Spain covers, how rent guarantee works, and what expat landlords letting from abroad should put in place.
For a property let on a long-term contract, landlord insurance covers the building at rebuild value, the contents and fixtures you provide (white goods, furniture, fittings — not the tenant's own belongings), your liability as owner for injury or damage, and tenant-caused damage to the property. Most policies also carry the standard water-damage, fire, theft and storm cover, plus the Consorcio surcharge for extraordinary events.
Beyond rent, the everyday landlord risks are damage and disputes. Landlord policies cover tenant damage to the building and your fixtures, and your public liability if the property injures someone. Legal-expenses cover, often an add-on, helps with the cost of pursuing non-payment, damage or possession claims — handled in English, which matters if you're managing the let from another country.
Many of our long-term landlords live abroad and let a former home or an investment property in Spain. We arrange and manage the cover entirely in English, with documents by email, and handle any claim with the insurer on your behalf. This page sits under our broader landlord insurance; if you let short-term to holidaymakers instead, see holiday rental insurance.
General guidance only — not personal insurance or legal advice. Cover, limits and exclusions vary by insurer and policy, so always check your policy terms. Last updated: May 2026.
Buildings, landlord contents and fixtures, owner liability and tenant damage — with optional rent guarantee and legal expenses. Cover varies by insurer and policy, so always check your policy terms.
It protects your rental income and covers legal costs if a tenant defaults — valuable given how long Spanish evictions can take. It usually requires tenant vetting; availability varies by insurer, so ask us.
Yes — we arrange landlord cover for owners living abroad, entirely in English, and manage any claim on your behalf.
No — landlord contents cover is for the fixtures and furnishings you provide. The tenant insures their own belongings with their own tenant policy.
Tell us about your property and we'll recommend the right cover — in plain English, with no pressure.
