Holiday Home Insurance in Spain
Spain is one of the most popular destinations in Europe for buying a holiday home and it's clear to see why. However, when it comes to choosing house insurance in Spain the limitations in cover are not so obvious when trying to translate foreign policy documents. Insurance rules are not universal and the insurance terms you may reasonably expect in the UK are not the same in Spain. If you don't identify these restrictions when choosing property insurance in Spain - you could be left underinsured.
Does your insurance provide inadequate cover?
You may not realise it until you claim, but here are some areas where other providers of holiday home insurance in Spain provide inadequate cover...
- Community building insurance in Spain often only cover communal areas like pipes or windows, not actual fixtures and fittings (bathrooms and kitchens) within apartment buildings
- Theft cover is excluded unless the insurers strict security requirements are in use
- Escape of water damage (burst pipe) claims are usually excluded when the holiday home is unoccupied
- Accidental damage to contents cover is often not provided when holiday homes in Spain are holiday let
- Home insurance in Spain traditionally provides very low levels of third party liability protection that doesn't extend to cover holiday letting or swimming pools.
- Completing claims forms in Spanish can be complicated if your knowledge of the native language is limited.
- There are tight deadlines to submit storm and flood insurance claims in Spain.
Holiday home insurance in Spain: maximum cover with minimum exclusions
With a UK sourced and administered policy from Schofields you don't have to worry about unfamiliar property laws, language barriers and exclusions that feature in foreign sourced policies. Our house insurance for Spain is designed specifically for UK based holiday home owners. Cover is not restricted when your apartment or villa is unoccupied and the policy provides specialist cover for holiday lets. In the event of a claim, experts are on hand to assist.
Please note that an insurance policy provides cover for a list of specified perils, the policy does not provide unlimited cover for every eventuality or maintenance related issues.
Why choose us?
Spanish holiday home insurance summary of cover
The insurance for property in Spain from Schofields includes the following benefits when you choose buildings or contents insurance.
- Your Spanish holiday home is comprehensively protected as there are no unoccupancy restrictions.
Certain restrictions do apply when the property is not furnished for normal habitation. We cannot insure properties that are left permanently unoccupied (e.g. awaiting sale or being renovated). - No security or inspection requirements. The policy does not require frequent inspections or insist on specific security e.g. window grilles.
- Full theft Insurance. The policy covers theft by tenants and non-forced entry.
- Public liability insurance. An indemnity limit of £5m is automatically included which indemnifies both the property owner and the tenant when legally liable. With today's ever increasing recourse to sue, this essential cover will protect you against legal costs and expenses for injury to third parties (for example slip, trip and fall claims) or damage to property - even when holiday let.
- Employers liability insurance. £1m is automatically included. This protects you against legal action from injured domestic employees, such as change over staff.
- Accidental damage to contents. For an additional premium, the cover can be extended to include claims arising from accidental damage to contents, such as stains or damage to furniture. This also covers accidental damage caused by holidaymakers.
- Cover for loss of pre-booked rental income. You are automatically covered for twice the contents sum insured if contents insurance is included.
- Alternative accommodation costs. For you, your family or rental clients following loss or damage to the property.
- Travel and accommodation costs incurred to minimise a claim.
- Insurance cover for swimming pools. The policy includes insurance for swimming pools under the buildings section and public liability for the use of the pool.
- Provides wider cover than traditional Spanish community buildings insurance block policies. These usually only cover communal areas such as boundary walls, entrances and staircases, not your specific property.
- Written in plain English. Policy wording is clear and unambiguous, so you know exactly what is covered.
- Excess. A standard £50 excess increased to £250 for water damage and weight of snow claims & £300 for earthquake damage. Note: check other insurers earthquake excess, traditionally they are a percentage of the sum insured - totalling thousands.
- Schofields have specialised in holiday home insurance in Spain since 1984 and claims are dealt with by qualified insurance experts.
- Arranged with certain Underwriters at Lloyd's of London, one of the world's leading insurers - exclusively for Schofields.
Our house insurance in Spain covers loss and damage caused by:
- Fire and explosion
- Theft or attempted theft, including theft by tenants
- Storm or tempest (excluding damage to gates or fences)
- Flood
- Lightning, thunderbolt or earthquake
- Escape of water or oil leakage from fixed water tanks, apparatus or pipes
- Civil disturbance or vandalism
- Impact by aircraft, vehicles or animals
Buildings insurance in Spain covers
What are buildings? fixtures and fittings within the buildings, domestic outbuildings, garages, domestic fixed fuel oil, tanks, swimming pools, tennis courts, drives, patios and terraces, walls, gates and fences.
- Damage caused by falling aerials and satellite dishes
- Breakage of fixed glass and breakage of sanitary fixtures and ceramic hobs
- Accidental damage by external means to underground services
Contents insurance in Spain covers
Covered on a 'new for old' basis
- Property in the open
- Accidental damage to televisions including video recorders
- Breakage of ceramic hobs, mirrors and fixed glass in furniture
- Fatal injury caused by fire or burglars
- Replacement of locks following theft or loss of keys
Important Documents
This is a summary of cover, view or print the full terms and conditions:
Spanish holiday home insurance policy wording
Useful Insurance Information
Confused? read our guide to Spanish home insurance
Compare house insurance abroad
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Buying insurance based on price alone is risky if it doesn't provide the cover you need. If you have any holiday home insurance queries we are here to help...
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