Best Expat Home Protection in Spain with Mutuarisk Expats

Searching for the best home insurance for expatriates in Spain?

At Mutuarisk Expats, we know protecting your home and belongings is essential for your peace of mind. A well-designed home insurance policy ensures that you and your family are covered against theft, damage, accidents, and liability.

In Spain building and contents insurance are usually bundled together, though you are also able to purchase them separately.

We’ll guide you every step of the way, tailoring coverages to your property’s needs and lifestyle.

Why Choose Mutuarisk Expats for Your Home Insurance?

Expat Expertise

Over 30 years advising expatriates who live, work or relocate to Spain

Comprehensive Coverage

Protects your property’s structure, contents, liability, and more.

Flexible Options

From basic to full protection, whether you own or rent

Tailored Advice

We evaluate your needs and recommend only what you need. No extras, no gaps.

Seamless Digital Service

Get quotes and claims online

Service in English

Our team advises and supports you in English

Core Coverages of Expat Home Insurance

Building protection

Protects the home’s structural elements (electrical and plumbing systems, walls, ceilings, roof, etc..)

Added coverages: Fire, water, and weather-related damage

Repairs & replacements: Structural repairs (walls, floors, ceilings), replacement of windows, doors, and installations

Contents coverage

Insures your personal belongings inside your home (furniture, appliances, electronics, and other non-structural items).

Added coverages: furniture, appliances, and personal effects

Valuables: jewelry, art, tech…
Replacement after theft, fire, or accidental damage

Liability Coverage

It’s standard in Spanish home policies, covering damages you unintentionally cause to others and including legal expenses.

Additional Services

Handyman/home-care service.

Glass breakage cover.

Others.

Key Benefits for Expats

Independent, Unbiased Advice

As a 100% independent brokerage, we provide truly objective recommendations.

Access to Leading Insurers

Competitive offers and exclusive rates from leading national and international companies.

Expat-focused Coverage

Full Support in English

Comprehensive policy Management

We handle everything from policy setup and midterm adjustments to renewals and claims

Why Expats in Spain should secure Home insurance?

Whether you own or rent, home insurance is essential to prevent everyday risks (and it’s often required by banks or real-estate agencies for mortgages or leases).

It offers:

Protection of High-Value Belongings: Appliances, furniture, tech, …

Liability Coverage: Essential to avoid legal claims from neighbours.

Off-Premises Theft and Minor Accident Cover: Many policies protect belongings outside the home and handle small domestic mishaps.

Language Ease

Ready to Choose the Best Home Insurance for Expats?

Fill out our form to receive expert, tailored advice on your insurance needs. We’ll help you compare and select the best Home insurance for expatriates in Spain

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FAQ’s about Expat Home Insurance

In Spain, “building insurance” and “home insurance” are usually sold together under a single policy covering different risks:

  • Building Insurance Protects the physical structure of your property (walls, ceilings, floors, electrical and plumbing systems, doors, and windows ) against fire, water leaks, weather events, and more.
  • Home Insurance: Covers your personal belongings inside the property (furniture, appliances, clothing, jewellery, electronics, …)

By bundling both structure and contents coverage into one home-insurance policy, Spanish insurers ensure comprehensive protection for both your dwelling and everything inside.

Yes. You can choose to insure just the building, just the contents, or both, depending on your situation:

  • Building only: Ideal for homeowners who need to protect their investment
  • Contents only: Perfect for tenants who want to cover their personal belongings
  • Combined policy: Best for full peace of mind

By law, home insurance is not mandatory but most banks require it when granting a mortgage. Moreover, many landlords or rental agencies also ask for a home insurance policy before signing a rental agreement

Yes. And it’s highly recommended. You can insure only your contents (personal belongings) and benefit from coverage for accidental damage or liability, preventing disputes with your landlord over minor incidents.

To tailor your quote, we’ll ask for:

  • Property size (square meters) and age
  • Construction type and location
  • Security measures (alarm, reinforced doors)
  • Estimated value of your belongings
  • Owner vs. tenant status

Some Spanish home insurance policies include off-premises cover for theft). We’ll recommend plans suitable to your lifestyle.

Yes. Upon request, we can add specific coverage for jewellery, artwork, antiques, or high-value electronics both inside and outside your home.

Absolutely. If you move, increase the value of your belongings, or wish to add new coverages, you can adjust your policy with our support.

Building insurance includes liability protection for homeowners. However, when you insure your contents, you also get personal liability coverage — offering extra protection for incidents beyond your property.

Still have questions? Talk to an expert advisor