Your Holiday Home in Spain Well Insured
Spain has been the #1 favorite destination for Dutch people with a second home. More than a quarter of all Dutch holiday home owners have a place in Spain. Of 300+ sunny days per year, a Mediterranean climate and the most beautiful coastlines, this is not surprising.
From the Costa del Sol to the Costa Blanca, of the Balearic Islands to the Canary Islands: a Dutch holiday home insurance policy offers all-risk coverage with service in your own language. Important in Spain where forest fires, floods (DANA) and heat waves are real risks.
The Spanish property market is popular with foreign buyers. On average, foreigners pay €3,100/m² for a home, with major regional differences. Good insurance protects your investment.
Where is your holiday home located?
Costa del Sol
The Sun Coast of Andalusia. Marbella, Málaga and international glamor on the Mediterranean.
Costa Blanca
The White Coast of Valencia. Most popular region among Dutch and Belgians.
Balearic Islands
Mallorca, Ibiza, Menorca. Exclusive islands with a sophisticated atmosphere and limited offerings.
🌍 More Regions in Spain
- 🌴 Canary Islands: Tenerife, Gran Canaria, €2,000-€3,200/m², eternal spring
- 🏖️ Costa Brava: Catalonia, €2,500-€4,500/m², close to France
- 🏜️ Costa Calida: Murcia, affordable, emerging region
- 🌊 Costa Dorada: Tarragona, family beaches, Salou
- 🏙️ Barcelona & Madrid: Urban, €4,500-€7,000/m²
What is insured?
Fire & Forest Fire
Damage from fire, explosion, lightning. Forest fires fully covered!
Storm & DANA
Damage due to storm, hail, precipitation. Flooding through Consorcio de Seguros.
Water damage
Leakage, pipe breakage, precipitation. Damage to/by swimming pool is also covered.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
Swimming pool & outbuildings
Swimming pools, terraces, garden sheds are also insured.
liability
Homeownership and damage to third parties up to €500,000.
🔥 Fire risk: Forest fires in Spain
Spain experiences hundreds of forest fires every year. By 2025, 400,000 hectares had already gone up in flames. Fire damage is fully covered:
- 🔥 Fire damage: Fully insured, also against forest fires
- 📅 Season: Official forest fire season July 1 - September 30
- 🌡️ Risk factors: High temperatures, low humidity, strong winds
- 📍 Risk areas: Galicia, Andalusia, Catalonia, Castile
- 📱 My112 app: Warns of evacuations in your region
- ⚠️ NB: Fines of up to €3,000 for lighting fires in nature reserves
🌊 DANA: Flood risk in Spain
A Gota Fría (DANA) can cause heavy rainfall and flooding in autumn and spring:
- 🌧️ DANA: Depresión Aislada and Niveles Altos - heavy precipitation
- 📍 Risk areas: East coast (Valencia, Murcia, Alicante)
- 📅 Season: Especially autumn (September-November) and spring
- 🏛️ Consorcio de Seguros: Spanish Emergency Disaster Fund for natural disasters
- 💰 Coverage: Floods, earthquakes, tsunamis through this fund
- 📋 Automatic: With non-life insurance you automatically contribute to the fund
🇳🇱 vs 🇪🇸 Dutch or Spanish Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Dutch service, no language barrier
- ✓ Fire damage fully covered
- ✓ Vacancy covered as standard
- ✓ Rental also insured
- ✓ Return cover (travel costs)
🇪🇸 Spanish Policy
- → Seguro del hogar local
- → Communication Spanish
- → Consorcio de Seguros included
- → Often required with a mortgage
- → Local insurers: Generali, Reale, Zurich
- → Not required (unless mortgage)
💡 For a second home, a Dutch policy offers advantages: service in your own language and all-risk coverage. Consorcio coverage for natural disasters applies to both.
🔑 Rental: Strict Rules in Spain
Do you rent your home to holiday guests? Please note the Spanish rules that vary by region:
- ✓ Rental up to 26 weeks/year: Insured in combination with personal use
- ✓ Platforms: Airbnb, Booking.com also insured
- ✓ Guest liability: Damage to guests covered up to €500,000
- ⚠️ Balearic Islands: Holiday rentals banned in many neighborhoods (Palma, Ibiza)
- ⚠️ Valencia/Costa Blanca: Moratorium on new rental permits
- ⚠️ Andalusia: Municipal limits per district (Málaga, Marbella)
⚠️ Always check the local rental rules in your municipality/HOA before renting out!
⭐ All Risk Coverage: Maximum Protection
With all-risk coverage you are insured against all unforeseen damage from outside:
- ✓ Basic coverage: Fire, explosion, lightning, storm, hail
- ✓ Extensive: + Burglary, theft, vandalism, water damage, glass breakage
- ✓ All risk: + All unforeseen external damage
- ✓ Forest fires: Fully insured with all-risk
🏡 Typical Spanish Homes
What type of home do you have in Spain? All types are insurable:
- 🏠 Villa with pool: Popular on the costas, private garden and terrace
- 🏢 Apartment: In urbanization, resort or city center
- 🏘️ Townhouse/Bungalow: Terraced house in resort or urbanization
- 🏡 Finca: Rural, authentic Spanish house
- ⛳ Golf resort: On the golf course, Costa del Sol popular
💰 Premium indication Holiday home Spain
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Apartment Costa Blanca | €100,000 - €200,000 | €15 - €30 |
| Villa Costa del Sol | €200,000 - €400,000 | €28 - €48 |
| Villa with pool | €300,000 - €500,000 | €35 - €55 |
| Luxury villa Balearic Islands | €500,000+ | €45 - €75+ |
| Insure household contents | €15,000 - €50,000 | +€8 - €18 |
* All-risk is approximately 20% more expensive than basic coverage. Swimming pools and outbuildings are also insured.
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a second home (not main residence)
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Vandalism by tenant: Damage by tenants themselves
- ✗ Commercial rental: More than 26 weeks/year without personal use
- ✗ Illegal rental: Without required permit in restrictive regions
💡 Tips for Your Holiday Home in Spain
- ✓ NIE number: Spanish identification number required for purchase
- ✓ Check rental rules: Regional legislation varies widely
- ✓ My112 app: Download for disaster alerts
- ✓ EFFIS card: Check current forest fires online
- ✓ Swimming pool maintenance: Have it checked regularly
- ✓ Current reconstruction value: Construction costs in Spain are rising
✈️ Extra Coverage
- ✓ Return coverage: Travel and accommodation costs will be reimbursed in the event of an emergency
- ✓ Accommodation costs: If the home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Art objects: Up to €5,000 co-insured
- ✓ Garden construction: Up to €10,000 covered
- ✓ Loss of income: In case of rental and uninhabitability
