Holiday home insurance in Spain for foreign owners
Your home in Spain, protected even if you spend most of the year somewhere else. Policy written in English, remote sign-up with an ID document from any country, and a team in Spain that handles everything for you.
You receive your quote by email within 24-48 working hours. No obligation.
We work with the leading insurers
Why foreign owners choose us
We are not an insurance company. We are an independent brokerage: we work for you, not for any insurer. We have been doing exactly that since 1985, and holiday home insurance for owners who live outside Spain has become one of our specialities.
You can read our client reviews (in Spanish) before you decide.
Policy and claims in English
The contract, the terms and the handling of any claim, in a language you understand. No Spanish small print that nobody translates for you.
100% remote sign-up
Passport or ID document from your own country. No Spanish NIE needed, no trip to Spain to sign anything. The whole process happens by email.
We go so you don’t have to
If something happens while you are away, we coordinate loss adjusters and repairers and tell you how it went. You do not have to catch a plane.
What our holiday home insurance covers
Cover designed for homes that sit unoccupied for a large part of the year. These are the maximum limits we work with:
Buildings: up to €1,500,000
Structure, fixtures, swimming pool, outbuildings and improvements. Rebuilding cost cover of up to €1.5 million.
Contents and fine art: up to €150,000
Furniture, decoration, equipment and works of art, all included within the contents sum insured with no per-item cap.
Personal liability: €7,500,000
The cover that answers if your home causes damage to others: a fire that spreads, a leak that reaches the neighbour below.
Accidental damage
The unforeseen mishap that does not fit any closed list of covered events. Included for both buildings and contents.
Theft with no unoccupancy restriction
Theft cover stays fully in force even if the home sits empty for months. No unoccupancy clauses.
Emergency travel
If a serious claim requires you to be in Spain, the policy covers the travel costs for you and a family member.
Is this insurance for you?
It is designed for a very specific type of owner. If most of these points sound like you, it is a good fit:
You live outside Spain
In the UK, Germany, France, Belgium, the Netherlands or anywhere else. Your nationality does not matter.
Your house sits empty for months
You use it for holidays and specific seasons. The rest of the year it stays locked up, with nobody checking on it daily.
You want to understand what you sign
A policy in English, with someone who explains the cover in your language and no surprises in the small print.
How it works
Getting holiday home insurance with us takes three steps. Everything remote and no obligation until you decide to go ahead.
1. Fill in the online form
Five minutes. The property details (address, size, year of construction) and your own. In your language.
2. Receive your quote by email
Within 24-48 working hours we send you the proposal with cover, sums insured and premium. Written so it can actually be understood.
3. Sign up remotely
Electronic signature and payment from any European bank account. The policy arrives by email. And we stay at your side for whatever comes next.
Want to know how much it would cost to insure your home in Spain?
Fill in the quote form or write to us directly. We reply in your language, with no obligation and at no cost. As a real reference: a 250 m² home with €600,000 buildings cover came in at under €1,000 a year.
Get your online quote
Fill in your property details and we will email you your quote. Required fields are marked. Your data is only used to prepare your insurance proposal.
Guides for international owners
Does your home in Spain sit empty for months? Here’s what to check
Esta página en español: seguro para extranjeros con casa en España
Contact Sure Service — Las Rozas (Madrid) and Palencia
Frequently asked questions
Can I take out this insurance without a Spanish NIE?
Yes. Your passport or national ID and the address of the property in Spain are enough. The policy can be issued to a policyholder whose tax residence is in any country.
What language is the policy written in?
The policy is issued entirely in English. The website and the quote form are available in Spanish, English, German, French and Dutch, and personal service is provided in Spanish or English.
What if the house is empty most of the year?
That is exactly what holiday home insurance is designed for. Theft cover is not restricted by unoccupancy, unlike what happens with most standard Spanish home policies.
What is the excess?
€250 per claim on buildings and contents cover. Personal liability and emergency travel carry no excess. We would rather tell you now than have you find out with your first claim.
Is jewellery covered?
No. Jewellery is excluded from this type of policy. Works of art, antiques and other valuables can be included within the contents sum insured.
Can I rent the house out when I am not using it?
Yes. Letting to third parties is declared in the quote and reflected in the policy. If you rent out regularly as a business, tell us and we will recommend the right solution for that use.
How much does this insurance cost?
It depends on the buildings sum, the contents and the location. As a reference from a real case quoted at our brokerage: a 250 m² home on the coast, with €600,000 buildings and €66,000 contents cover, came in at under €1,000 a year.
We work with the leading insurers
Sure Service S.A. Insurance Brokers — Over 41 years protecting businesses, professionals and families. Offices in Las Rozas (Madrid) and Palencia, Spain.