Non-Resident Home Insurance in Spain

Owning a Spanish property but living somewhere else is one of the most common situations we deal with. The good news: you don't need to be resident in Spain — or even in the country — to insure your home properly. This guide explains how non-resident home insurance in Spain works, how to arrange and run it entirely from abroad in English, and the few extra things insurers look at when the owner lives overseas and the property is often empty.

Can non-residents get home insurance in Spain?

Yes, comfortably. Residency is not a requirement for insuring a property in Spain — what matters is the property itself, how it's used and how it's looked after. We arrange home insurance for non-resident and overseas owners across the UK, Ireland, the US, the Netherlands, Germany, France, Scandinavia and beyond, handle the whole process in English, and send your documents by email. You can set it all up without leaving home.

What non-resident cover includes

The cover itself is a normal Spanish home policy — buildings, contents, liability and home assistance — built around how you use the property. The table shows how the main cover types compare:

Indicative only — cover, limits and exclusions vary by insurer and policy.

For most overseas owners the two most valuable elements are liability cover (a leak from your property can damage a neighbour whether you're there or not) and a robust home-assistance service that can get a tradesperson to a home you can't reach quickly.

Setting the sums insured from abroad

Insure the structure at its rebuild cost — not the price you paid, which in many coastal and city areas is well above the cost of rebuilding — and your contents at replacement value. Spain's average clause (the regla proporcional) means under-declaring either figure can see a claim cut proportionally, so it's worth getting right; we help you arrive at sensible numbers even when you can't pop round to take stock. See buildings & contents insurance for the detail.

Empty and unoccupied periods

Non-resident properties often sit empty for long stretches, and that's the main thing insurers focus on. Cover can continue while the home is unoccupied, but you may be asked to turn off the water at the mains during long absences, keep basic security in place, and in some cases arrange periodic checks. These conditions are straightforward and we'll set them out clearly. For homes that are genuinely empty for extended continuous periods, see unoccupied property insurance.

Do non-residents pay more?

Not because of residency in itself. The premium is driven by the property, its location, its value and how often it's occupied — an empty coastal apartment carries different risk from a permanently occupied one, regardless of where the owner lives. We'll give you an indicative quote based on your property and use, and explain what (if anything) moves the price.

Claims when you live abroad

This is where having an English-speaking intermediary really earns its keep. If something happens while you're away, you report it to us and we manage the claim with the Spanish insurer on your behalf, in English — you're not trying to navigate a Spanish claims process by phone from another country. Extraordinary events like major floods are handled by the Consorcio de Compensación de Seguros; we explain that process too.

General guidance only — not personal insurance advice. Cover, limits and exclusions vary by insurer and policy, so always check your policy terms. Last updated: May 2026.