Home, life, and other insurance
Helps you choose and use home, life and other non-health insurance.
Choose and use the insurance a household needs besides health cover: which policies are compulsory or worth having, home and contents, civil liability, life and mortgage-linked, funeral and travel cover, claims and…
- topics
- 8
- articles
- 57
- of reading
- 6.3 hours
Begin with
Insurance needs and buying
You will know which policies matter for your situation, which are required by law or by a lender, and how to buy and compare them without a perfect paper trail.
Which insurance policies a newcomer household needs in Spain · Which insurance is compulsory in Spain and which is optional · Which insurance fits you as a tenant, owner, family or retiree
More in home, life, and other insurance
7 more topics in this section, about 6.3 hours of reading in all.
Home and contents insurance
You will know what policy a tenant or owner should hold, how much cover to set, and how second homes, rentals and moves change the answer.
Do you need home insurance (seguro de hogar) as a tenant? · Who insures what between landlord, tenant and community (comunidad) · What the building's community insurance covers and special charges (derramas)
Liability and activity cover
You will know what happens financially if you injure someone or damage their property, and whether your hobbies need extra cover.
What civil liability cover (responsabilidad civil) in your policy does · How much liability cover is enough and what it will not pay · If your child damages property or injures someone
Life and income protection
You will know whether you need life or income cover, how mortgage-linked policies work, how much to buy, and how a claim works.
Do you need life insurance (seguro de vida) in Spain? · Life insurance tied to your mortgage and outside alternatives · How much life cover your family needs and naming beneficiaries
Funeral insurance (decesos)
You will understand a distinctly Spanish product, its long-term cost and whether it fits a foreign household.
What funeral insurance (seguro de decesos) is and who buys it · Why funeral insurance premiums rise and how to switch or cancel · Will funeral insurance pay to repatriate remains to your home country?
Travel insurance
You will know what travel cover a Spanish resident needs, which exclusions bite, and how to claim.
Travel insurance for residents and what your EHIC covers · Does your travel insurance still work when you live in Spain? · Insurance for relatives visiting you in Spain
Claims, renewals and cancelling
You will know how to make a claim, challenge a bad outcome, and manage renewals and cancellations without losing cover or money.
How a home insurance claim (siniestro) works from report to payout · Water leak between neighbours: how the claim works · Making a burglary claim on your home policy
Natural disaster cover and state insurer (Consorcio)
You will understand which disasters are covered by your insurer or the Consorcio and how to claim after a catastrophe.
What the state insurer (Consorcio de Compensación de Seguros) covers · Does your insurer or the state fund pay for storm or flood? · How claims to the state disaster fund (Consorcio) are decided and paid
Other sections in Healthcare and insurance
Public healthcare access
Helps you get and keep access to public healthcare.
Private health insurance
Helps you choose and use suitable private health insurance.
Costs, prescriptions, and medicines
Helps you manage prescriptions, medicines and health costs.
Chronic care and continuity
Helps you keep treatment for a chronic condition going through the move.
Emergency, dental, vision, and mental healthcare
Helps you get emergency, dental, eye and mental health care.
Family health and vulnerable situations
Helps you set up healthcare for children, pregnancy and family members.
Need certainty before you act?
For important relocation decisions, speak with a qualified human specialist.
Always verify important information with the relevant official authority or a qualified adviser before acting. This website uses large language models together with various public data sources, official government documents and other established sources. Due to the amount of data on this website, some information might be wrong. Information may also be incomplete or outdated.