Home insurance
Home insurance in Spain
Owner or renter — the same peace of mind for the place you live in.
Spanish home policies (seguro de hogar) split into building, contents and liability. Landlords almost always ask renters for liability cover; mortgage lenders require building cover. We make sure you buy what you actually need, and not the rest.
What we look at with you
- Water damageThe single most common Spanish claim — check the excess carefully.
- Theft & burglaryInside the home, and belongings taken from you outside it.
- Civil liabilityDamage you cause to neighbours — the clause your landlord asks for.
- Glass & appliancesWindows, ceramic hobs, electrical surges.
- Legal assistanceDisputes with neighbours, the community, or a builder.
- 24/7 home helpA plumber or locksmith at the door, often within hours.
Get my home options
Tell us about the property. We come back with what it should cost.
We moved to Valencia with two suitcases and a very anxious cat. Sana Protect sorted our health cover before our NIE appointment and found a pet policy that actually covers hereditary conditions. They answered every question twice, without sighing.