Spanish Holiday Home Insurance

Cover for holiday homes and second homes across Spain.

  • No flat roof penalty
  • Get covered and your documents on the same day
  • UK-based support

Call us on 0344 346 3252 or get a quote online

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If you need additional assistance arranging your insurance, find out how our teams can support

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Why choose Spanish holiday home insurance with Towergate?

Claim

Dedicated claims team

We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available weekdays between 8.30am – 5.30pm.

People

Friendly holiday home specialists

We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available weekdays between 9am – 7pm.

Sun

Outdoor contents cover for your property

Contents includes outdoor accessories such as inflatable hot tubs, garden furniture and BBQs.

House

No flat roof penalty

We can provide cover for properties with flat roofs.

About Spanish holiday home insurance

Accidental Damage

Accidental damage cover for holiday homes

We offer accidental damage as standard for owner occupied holiday home properties. For rented or lent properties you can choose to extend your Accidental Damage cover to include damage by any guests, subject to a written rental agreement being in place for rentals.

House

Alternative accommodation

Temporary Accommodation or Loss of Hiring Charges included as standard if your property is uninhabitable following an insured event at the property.

Snow

Natural catastrophe cover

In the event of a natural disaster, damaging the property to the point where guests can no longer stay, you may be able to claim back what you would have earned during that stay. If you would like to rent your holiday home to friends and family, please make us aware in advance as we will need to update your policy to include cover for this.

Building

Cover for a range of properties

We also cover a variety of property types including chalets, cottages, apartments, lodges and villas, and cover requirements including Airbnb rentals.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01708 777 720 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Spanish holiday home insurance FAQs

No, if you have a holiday home in any of the following countries you are eligible to apply for a policy: the UKthe Republic of IrelandFrance, Portugal, Greece and Southern Cyprus.

Even if your Spanish property does not fit the definition of a holiday home, our underwriting team can assess your unique circumstances and may be able to provide a tailored policy for you. Your property may be eligible for second home insurance - but if not, we may still be able to find you an appropriate cover. Please call the team to discuss your situation.

For most customers, your policy will be unchanged after the end of the Brexit transition period on 1 January 2021.

  • If you’re a permanent resident in the UK, with properties in the UK, your policy and cover won’t change at all.
  • If you’re a permanent resident in the UK, with properties in the EU, your policy and cover won’t change at all.
  • If you’re a permanent resident in the EU, with properties in the UK, your policy and cover won’t change at all.
  • However, if you are a permanent resident or domiciled in the EU, with properties in the EU, unfortunately we will not be able to cover you after 1 January 2021. Your policy will be cancelled on 1 January 2020 and you will need to seek an alternative provider. We will be contacting you directly if your policy is due to be cancelled.

  • If you’re a permanent resident in the EU, with properties in the UK, we will still be able to cover you.
  • However, if you are a permanent resident in the EU, with properties in the EU, unfortunately we will not be able to cover you after 1 January 2021. Your policy will be cancelled and you will need to seek an alternative provider. We will be contacting you directly if your policy is due to be cancelled.

If you have a unique case, our Specialist Property team can assess your individual circumstances to confirm if we have a policy for you. As mentioned above it may fit into the category of second home insurance but if not we may still be able to find cover that fits, call the team to discuss your circumstances and we will try our best to find you cover.

We provide cover for replacement keys to external doors of the home, alarm systems and domestic safes fitted in the home if the keys are accidentally lost or stolen.

It depends on the type of property and policy cover you have. For holiday home cover (‘not let’), if you have accidental damage included in your policy, you will be covered for use by friends and family, so long as you are not letting the property for cash reward. If you have second home insurance, you just need to let us know.

If you are planning on renting your property, you can also get extended holiday home insurance for when your property is ‘let’. Speak to one of our friendly advisors to find out more.

The requirements of your policy will not change, and as your guests may not be familiar with your property it is worth carrying out an inspection after they have left. Your guests must leave the property in accordance with the unoccupied element of your cover, please refer to your policy documents.

Yes we can provide expat insurance for your property. Get in touch with our team with any questions you may have.

Yes, you can pay your insurance in instalments. To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Read more FAQs

Spanish holiday home insurance articles

Where to buy a holiday home in Europe

Finding the ideal spot to buy a holiday home can be tricky, so we've put together a guide to four sunny European holiday home hotspots.

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Buying a Holiday Home

Buying a holiday home has major rewards, if it is done correctly! Take a look at our detailed guide to help you navigate the process and find the right house in the destination of your dreams.

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How to Keep Your Holiday Home Safe and Secure

Because holiday homes are regularly left unoccupied, they’re more vulnerable to certain kinds of damage and are at an increased risk of being broken into.

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How to Protect Your Holiday Home from the Elements

Holiday homes can be particularly vulnerable to damage from the elements. In preparation for the off-season, safeguard your property with these tips.

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How to Take a Holiday Home Inventory

If you rent out your holiday home to guests, or are thinking of doing so, having a good and thorough holiday home inventory is really important.

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Top Holiday Home Claims – and How to Avoid Them

Here at Towergate, we’ve looked at the top 10 most common holiday home claims from 2017 to 2019, how long they take to fix, and the average cost to fix.

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Beginner's Guide to Lending Your Holiday Home to Friends and Family

If you want to treat family and friends by offering them a staycation break in your home-from-home, read a few basics to avoid potential mishaps.

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Best Practice for Leaving Your Holiday Home in Good Shape

See our property preparation checklist to help keep your holiday home in shape should you not be able to visit it for weeks, or even months.

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What to Do When Marketing Your Holiday Home

Marketing your holiday home is crucial to it being a successful business venture. This article covers some of the most vital points that can aid your success.

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