Premium Home Insurance for the Costa del Sol

Standard home policies in Spain often reduce or exclude cover once a property has been unoccupied for a set number of days, commonly around 60-90. Cover designed for holiday-home owners can extend this to several months, so you stay protected while you're back home, without having to declare every trip.

A standard residential policy usually doesn't cover paying guests or short-term lets. If you rent your property out, even occasionally, you need specific holiday-let or landlord cover that includes guest liability, accidental damage by tenants and loss of rental income.

Pools, terraces, gardens and outbuildings can usually be added as extensions to a home policy — covering structural damage, filtration issues and liability if a guest is injured while using the pool. It isn't automatically included in every base policy, so it's worth checking explicitly.

Since June 2026, anti-squatting legal cover has become a standard inclusion in many home policies in Spain. It provides legal defence and guidance to help you recover possession of your property faster, which matters given how long these cases can drag on through the courts.

Policies with 24/7 assistance typically aim to make contact within a few hours of an urgent claim — a burst pipe, a power cut, being locked out — and coordinate a local tradesperson or emergency repair on your behalf, in English or Spanish.