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Spain Property Insurance Guide for International Buyers & Investors


Securing property insurance in Spain is a vital step for buyers and investors to protect their investment. Whether purchasing a holiday home, rental property, or commercial real estate, comprehensive coverage ensures peace of mind and safeguards against unexpected losses.

Spanish insurance providers offer policies covering buildings, contents, liability, and rental protection. Buyers should carefully review what is included and consider additional options such as flood, fire, or earthquake coverage depending on location.

For guidance on choosing the right insurance, consult our Mortgages guide to align financing and insurance needs.



High-net-worth buyers and investors often need specialist insurance policies for luxury or high-value properties. These policies may include coverage for fixtures, fittings, and valuables, ensuring protection against theft, accidental damage, or natural disasters.

Working with experienced insurers or brokers is recommended. Top providers in Spain include: They offer policies tailored to international buyers and investors, including rental protection insurance.


Insurance also ties into mortgage requirements. Spanish banks often require evidence of buildings insurance before approving a mortgage, so securing coverage early is important.

For legal guidance on insurance contracts, see our Legal Process guide. For rental properties, professional property management services can recommend suitable policies. Learn more in our Rental & Investment Management guide.



Currency transfer considerations are important for international buyers. Insuring a property is one part of risk management; transferring funds safely protects your overall investment. Visit our Currency page for strategies.

Our Spain Property Forum is a useful resource for sharing experiences and recommendations with other buyers and investors.


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