Home Insurance in Spain for Expats

We will let you know the value that’s fully in line with the real characteristics of your home. As such, we ensure that your insurance is consistent with the buildings and contents of your home, avoiding possible situations in which you could put your adequate protection at risk by insuring your contents for lower than their true value. Calculate the value by clicking here: Home Insurance quotation.

Your electrical appliances are generally covered by your home insurance cover which is aimed at protecting the contents of your home.

Damage caused by taps that were accidentally left running are included in water damage cover. 

Yes, as long as you have selected the robbery coverage, your belongings are insured for up to €1500 for objects (wallet, mobile phone, etc.) and up to €300 for theft of cash. You will need to submit a police report.

Your dog might be covered for third-party liability, provided that your insurance policy includes the protection of belongings and your pet is not considered a potentially dangerous breed - in this case, it must have a specific insurance policy, for legal reasons. 

When you take out an insurance policy online, the cover will be applicable as soon as the first direct debit is paid from the account indicated in the insurance policy.

If you have a setback while travelling, CASER provides you with assistance and covers certain expenses: medical, pharmaceutical or hospitalisation costs, hotel stay expenses due to illness or accident for you and a companion, transfer or repatriation due to illness or death, dispatch of medicines abroad, tracking of lost luggage...

Jewellery and objects of special value, included in the buildings cover, are protected if they are located in the primary home, provided that they are not in basements, storage rooms and garages and as long as the property has not been uninhabited for more than 30 days. 

If there is an earthquake or an area affected by flooding, the CCS (Consorcio de Compensación de Seguros - Insurance Compensation Consortium) will be in charge of paying out compensation, as it will have been declared a catastrophic area. 

In any case, Caser must pay, within 40 days of receipt of the declaration of the incident, the minimum amount that it will owe according to the facts of the situation.