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Spanish Holiday Home Insurance 

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance

Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team July 2023

The holiday home insurance policy is there to help provide peace of mind for a hard-working family who has invested in a special place to get away from their daily routine. With this type of financial protection in place, leaving the holiday home unoccupied for a month or more can be nearly worry free.

holiday home insurance

Is Spanish Home Insurance a legal requirement?

It is not a legal requirement to take out a holiday home insurance policy for your property in Spain, but it’s worth considering for the added protection that it affords. A policy protects you financially against loss resulting from property damage, theft, and loss.

What is holiday home insurance Spain?

This type of cover is specifically designed to protect a home that is not used as a primary residence. Since holiday homes are left unoccupied for periods of time, they are considered higher risk than a standard home that is a primary residence.

Just like a standard homeowner's policy, the Spanish holiday home insurance policy is broken down into two primary categories.

  • Building cover includes protection for the main structure along with any other permanent structure on the property including outbuildings, fences, garages and sheds. Repairs or replacement of these permanent structures will occur if they are damaged by fire, flood, storm, vandalism or land subsidence.
  • Content cover is replacement protection if items in the holiday home are damaged by fire, flood, storm, vandalism or land subsidence. These items generally include carpeting, furnishing, curtains and other like items.

To help reduce the risk associated with holiday home insurance Spain, valuable items that are mobile or easily moved should be removed from the home when the place will be unoccupied for any lengthy period of time. These items can include TVs, stereos, counter top microwaves and like items.

Why won’t a standard homeowners policy be valid for my Spanish holiday home?

In most standard home insurance policies, a statement by the owner must be made declaring it their primary residence. Also included in most standard home policies is that any damage that occurs when the home is unoccupied for more than 30 consecutive days will not be covered.

Can I rent out my holiday home in Spain and still be covered by this type of insurance policy?

Letting out your holiday home can occur, but must be declared when taking out the holiday home insurance policy. The reason for the declaration is so the insurance agent knows you will be letting out your place and can assign the appropriate level of risk to the policy. Homes that are rented to others are considered higher risk because most renters do not care for another person’s property as they would their own. If you intend to let out your holiday home, your brokers must be informed, unless you opted for that option when initially taking out your holiday home policy. The policy will be then changed to buy to let insurance UK. 

If your intention is to let out your home, you must notify the insurance company. For example, with Swinton home insurance you will not be covered to let out the property, but they do offer commercial property insurance with which you can let out your property and be covered

What is Included in a Spanish holiday home insurance

A good Spanish holiday home insurance policy should provide cover as below, but you will need to check the terms of any policy that you are considering as some of these may be optional, for example accident natal damage is normally an optional cover that can be added into make your cover more comprehensive.

Type of Cover Check Policy for Inclusion
Damage to building caused by a natural disaster.
Loss or damage to contents and personal belongings.
Cover for escape of water, sewage, or oil from household appliances such as air con or dishwasher.
Accidental damage

How can I reduce my risk with a holiday home insurance in Spain policy?

Reducing risk is possible by properly preparing the holiday home for being unoccupied for a period of time.

  • Turning off the water supply is instrumental in preventing water damage, especially in the winter months, when the cold could make pipes freeze and possibly burst.
  • Turning off the main breaker so the house is no longer has electricity in the power lines. This will help to prevent a fire from an electrical short.
  • Ensuring all access point are secured with proper locking mechanisms. This includes windows, doors, pet flaps and ventilation ducts.
  • Install a bugler alarm so the local authorities will be notified if there is a break-in.

It would also be beneficial if a neighbour or local property manager would periodically check on your holiday home. This makes it possible to know about damage to your home from a storm without being there. By letting them know when you will not be in your holiday home, they will know if there are intruders and can call the police if there is activity there.

What Spanish property types can I cover?

Cover is available for practically any type of Spanish holiday second home.

  • Caravans and mobile homes
  • Town houses
  • Condos or apartments

Spanish Holiday Home Maintenance

Maintenance is more difficult for holiday homes, you may decide to outsource to a local Spanish property management company. It is also worth considering using materials that require less maintenance if it is a new build, example a zinc roof whilst more expensive will require much less maintenance and possibly last forever.

Are there any optional add-ons available for holiday home in Spain insurance?

Yes, if you need more than what is available in a standard policy, then several options can be added to the policy.

Accidental cover is the most common add-on. This will cover damages from sources not already covered, including the rare occurrence of someone driving their car into your home. Yes, it does occur. This is also protection when your holiday home is rent to a third party. The damage they do to your home or its contents will then be covered.

Public liability cover is protection if there is a claim of injury or damage being blamed on you or your property is involved.

By having the right level of holiday home in Spain  insurance you need will contribute to giving you peace of mind when you are in your primary residence and so you can enjoy your home away from home for years into the future.

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