EX-PAT CONTENTS & BUILDINGS INSURANCE
Protecting Your Home in Spain – Inside and Out
Specialist motor insurance for expats living in Spain.
Covering cars, vans, motorbikes and 4×4s — with flexible policies, competitive premiums and expert English-speaking support.
Home insurance designed for expats living in Spain.
At Expat Insure, we understand that your property in Spain is one of your biggest investments. That’s why we offer flexible Home Insurance policies that allow you to choose Buildings cover, Contents cover, or a combined policy to suit your individual needs.
Whether your property is a permanent residence, holiday home, or rental investment, we’ll help you find the right level of cover at the right price, with reliable protection should the unexpected occur.
Request a free, no-obligation quote today and let us do the hard work for you.
Buildings insurance protects the structure of your property and all permanent fixtures and fittings. This includes:
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Walls, floors, and roofs
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Kitchens and bathrooms
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Fixed units, pipes, and wiring
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Garages, terraces, and permanent outbuildings
If you are purchasing a property in Spain with a mortgage, buildings insurance is mandatory, and your lender will require proof of cover before completion.
Buildings Insurance in Spain
Buildings insurance protects the structure of your property and all permanent fixtures and fittings. This includes:
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Walls, floors, and roofs
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Kitchens and bathrooms
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Fixed units, pipes, and wiring
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Garages, terraces, and permanent outbuildings
If you are purchasing a property in Spain with a mortgage, buildings insurance is mandatory, and your lender will require proof of cover before completion.
How Buildings Cover Is Calculated
The cost of your buildings insurance is based on the insurable value, not the market value, of your property.
✅ Insurable value = cost to rebuild the structure and fixtures
❌ Market value = includes land value, which is not insured
This ensures you are fully protected without paying more than necessary.
Contents Insurance in Spain
Contents insurance covers everything inside your home that is not permanently fixed, including items such as:
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Televisions, laptops, tablets, and mobile phones
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Furniture and soft furnishings
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White goods like washing machines and dishwashers
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Personal belongings and valuables
What Affects the Cost?
Your contents insurance premium depends on:
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The total value of your belongings
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The security level of your property
Homes with better security — such as alarm systems, reinforced doors, or security shutters — usually benefit from lower premiums.
Holiday Homes & Rental Properties
If you plan to rent out your property to holidaymakers or long-term tenants, it’s essential to have the correct insurance in place. Standard home insurance may not provide adequate cover for rental use.
We can arrange specialist policies that protect:
Your property
Your contents
Liability risks
Your rental income
Giving you peace of mind while your property is occupied.
Get Your Free Home Insurance Quote
For a no-obligation quote, simply complete the form below.
✔️ Personalised Buildings & Contents insurance quote
✔️ Response within one working day
✔️ Friendly, professional advice
Fill in the form today and protect your home in Spain with confidence.