Property Insurance Spain

Andrew Copeland International has been providing property insurance in Spain for over 35 years. In that time we have developed our property insurance to protect your building and the contents against all of the issues you would expect and many more that may not immediately come to mind when considering the insurance you need for your property in Spain.

Every country in Europe has its own tax regime, and Spain is no different. All of our Spanish property insurance quotes however include all Spanish property taxes, which we pay on your behalf, so this is something you don’t have to worry about. This includes Spanish property tax, consorcio and fire brigade charges.

The Spanish property insurance we provide has been designed to take into account the nature of property ownership in Spain and the differing ways in which those properties are used and occupied. Whether the Spanish property to be insured is your main residence, your dream Spanish holiday home on the coast or a second home in the rural heart of Spain. Our insurance for properties in Spain will cover the building and/or contents against all of the major risks and issues you would expect including fire, flood, subsidence etc, but also has some additional areas of protection that you might not expect to find included without extra cost, for instance, your holiday home in Spain may well have a swimming pool or solar panels. These are also covered as standard in our property insurance Spain policy. Accidental damage cover for your windows and window frames, ceramic hobs and your bathroom sanitary ware, electrical equipment etc. are all included in your policy without increasing premiums.

Our property insurance for Spain also allows you to sub-let to tenants without losing any of your Spanish property insurance cover, but our protection goes further, should a major claim occur your Spanish property will be insured against the loss of rental income. Should you need to cancel any pre booked holidays we will reimburse you for the lost income. Of course not everybody with a holiday home in Spain rents out the property when they are not using it themselves. Your property insurance in Spain remains in place even if the building is unoccupied for long periods.

Whilst we refer to this cover as “property insurance Spain” and it is true that many aspects of the protection relate to buildings and contents insurance in Spain, but this insurance covers much more than just the physical property and contents. Public liability insurance is already included as is accidental injury insurance for any domestic staff you might employ, to clean the property between holiday renters for instance. Another valuable inclusion in our Spanish property insurance is emergency travel cover. In the unfortunate event of a large insurance claim at the property that needs your personal attention, your property insurance will pay for two return air tickets and if you are not able to stay in the property, will also cover accommodation costs.

If this is the first time you are insuring a property in Spain or you are buying your property with a mortgage arranged with a Spanish lender, you may feel that the lender or even the mortgage broker is almost insisting that you buy your Spanish property insurance from them or a company they recommend. As in the UK you are free to choose any property insurer you wish and it is prudent to look closely at what is included in the property insurance being offered. All of our property insurance Spain documents are written in clear English.

We are confident that we have designed an insurance package for properties in Spain that will meet the needs of the vast majority of Spanish property owners. We have kept our premiums low with a standard policy excess of only £50* whilst still offering a complete and comprehensive Spanish property insurance plan. However, should there be a concern or issue that is particular to your property or circumstances, we can give expert opinion on those aspects and advise on a solution that ensures you have the property insurance in place that satisfies all of your general and specific requirements.

You can view or download our standard property insurance Spain policy here.

For a free quotation please use our online form or telephone 0208 656 3367 and speak to one of our property insurance advisors.

The property insurance we provide is underwritten by Lloyds of London
* £1,000 subsidence, £2,500 earthquake (subject to location).

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Andrew Copeland
International Ltd

Tel: 0208 656 3367
Fax: 020 8655 1271


Andrew Copeland Insurance Consultants Ltd and
Andrew Copeland International Ltd are authorised and regulated by the FCA