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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
One of the UK's leading independent insurance brokers
Why choose Spanish holiday home insurance with Towergate?
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.
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.
Outdoor contents cover for your property
Contents includes outdoor accessories such as inflatable hot tubs, garden furniture and BBQs.
No flat roof penalty
We can provide cover for properties with flat roofs.
About Spanish holiday home insurance
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.
Alternative accommodation
Temporary Accommodation or Loss of Hiring Charges included as standard if your property is uninhabitable following an insured event at the property.
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.
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 0345 0744 760 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
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 UK, the Republic of Ireland, France, 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.
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.
See our range of cover for holiday homes
Spanish holiday home insurance articles
19/12/2016
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.
Read more13/05/2025
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.
Read more25/01/2024
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.
Read more07/10/2019
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.
Read more07/10/2019
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.
Read more01/07/2020
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.
Read more25/08/2020
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.
Read more11/11/2016
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.
Read more