Water damage
Leaks, burst pipes and seepage, including finding and fixing the fault.
Home insurance: your home protected, inside and out.
A water leak, a short circuit or a burglary can turn your week upside down. Good home insurance sorts it out quickly and covers you if you damage someone else’s property. Whether you own or rent.
Home insurance
What is it?
Home insurance in Spain protects two different things: the building (continente), meaning the property itself (walls, floors, fixed installations), and the contents (contenido), meaning your furniture, appliances, clothes and belongings.
It also includes personal liability, one of the most important and least known covers: if a leak in your flat damages your downstairs neighbour’s, the insurance pays.
If you have a mortgage, the bank will ask for at least buildings insurance. As with life insurance, you can take it with the insurer of your choice.
What it usually covers
Fire and weather
Fire, explosion, lightning, wind or heavy rain, within the policy limits.
Theft and vandalism
Burglary at home, damage from attempted break-ins and, on some policies, theft away from home.
Electrical damage
Damage to wiring and appliances from power surges or short circuits.
Glass breakage
Windows, mirrors, shower screens and, on some policies, ceramic hobs and worktops.
Personal liability
Damage that you, your family, your home or your pets cause to others.
24h assistance
Plumbers, locksmiths, electricians and other professionals when there’s an emergency.
Exact cover, limits and conditions depend on each insurer and policy. I’ll explain them before you sign.
Depending on your situation
Owner
You insure both the building and the contents. The complete option for your main home.
Tenant
You insure your contents and your liability. The building is usually insured by the landlord.
Landlord
Policies for rented properties, with cover such as unpaid rent or damage caused by tenants.
Second home
For homes that aren’t lived in all year, with conditions adapted to empty periods.
Real-life examples
Illustrative examples of how this insurance works day to day.
The leak that reached the neighbour
A pipe bursts on a Sunday and water seeps into the flat below. The insurer sends a plumber, repairs your home and pays for your neighbour’s damage under your liability cover.
Burglary during the holidays
Coming back from a trip, Marta finds her door forced. The policy covers the lock, the damage and the value of what was stolen, as declared.
A storm and a power surge
After a storm, the fridge and TV stop working. Electrical damage cover pays for repair or replacement.
It’s for you if…
- You own a home, with or without a mortgage.
- You rent and want to protect your belongings.
- You rent out a property to others.
- You want quick help when something breaks at home.
Before you sign, check this
- 01
Underinsurance
If you declare less than the real value, after a claim the insurer may only pay a proportional part. We calculate it properly from the start.
- 02
Replacement value
Better to be paid what a new item costs than its second-hand value. Not every policy includes it.
- 03
Valuables
Jewellery, art or expensive equipment usually have limits and may need to be declared separately.
- 04
Excess and limits
Check how much of a claim you pay yourself and the maximum each cover pays.
Key terms to know
- Buildings (continente)
- The structure: walls, floors, ceilings and fixed installations.
- Contents (contenido)
- What’s inside: furniture, appliances, clothes and belongings.
- Underinsurance
- Declaring less than the real value. It can reduce the payout proportionally.
- Consorcio de Compensación de Seguros
- A public body that pays for extraordinary risks, such as floods, to people with an active policy.
Frequently asked questions
Is home insurance mandatory in Spain?
It isn’t required by law, although with a mortgage the bank will require at least fire cover on the property. It’s still highly recommended.
I rent. Do I need insurance?
It protects your belongings and your liability, for example if you damage the flat below. It’s usually very affordable.
Does it cover damage my dog causes to others?
Many home policies include liability for pets, with conditions. For dogs, a specific policy may be a better fit.
Can I switch away from my bank’s home insurance?
Yes. You can take another policy with equivalent cover and inform the bank. I’ll help you with the process.
How we do it together
- 1
Tell me what you need
A short call or a quick form. No obligation.
- 2
I prepare your comparison
Several options side by side, with what each one covers.
- 3
You choose, calmly
I answer your questions and handle the paperwork.
Your advisor · Gabmel Contreras
Shall we review your home insurance?
Tell me whether you own or rent and what your home is like, and I’ll prepare several well-fitted options.
Articles
Insuring a beach apartment or holiday let in SpainA second home on the coast, or a flat you rent to tourists, needs different cover from your main home. What to check so you’re not left uninsured when something happens.Read article →Renting in Valencia: do you need home insurance?Your landlord’s insurance doesn’t cover your belongings or your liability. What tenant home insurance covers in Spain, when it’s worth it and how to choose.Read article →Floods in Spain: how the Consorcio de Compensación de Seguros pays outAfter an extraordinary flood like Valencia’s 2024 DANA, damage is paid by Spain’s Consorcio de Compensación de Seguros, not your insurer. Who’s covered and how to claim, step by step.Read article →