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Spanish Holiday Home Insurance

Bespoke cover for your holiday home in Spain.

  • Cover for holiday homes and second homes across Spain
  • Insurance for a selection of property types, ranging from apartments, to villas and farm conversions
  • Protection whether you're staying at your holiday home yourself, or renting it out

If you know what you need, run through a quote and buy straight away

Get a quote

Call us today for a Spanish holiday home insurance quote

0344 892 1750
0344 892 1750

Weekdays 9:00am - 5:30pm

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What does Spanish holiday home insurance cover?

Cover to suit a range of Spanish property types

From city apartments to rural farm house conversions to seaside villas, Towergate holiday home insurance can cover all kinds of properties, all over Spain.

Loss of earnings cover for holiday home rentals

If your Spanish holiday home rental property becomes damaged to the point that guests can no longer inhabit it, you may be able to claim back what you would have earned during that period. However, please do let us know if you intend to rent out your Spanish holiday home.

Cover against accidental damage

Our Spanish holiday home insurance policy provides you with cover against accidents to property, caused by unintended and sudden incidents. These incidents are reviewed on a case by case basis.

Emergency travel costs

In the event that an emergency strikes at your holiday home while you are in the UK, we may pay up to £300 in travel expenses for you and a family member and an additional sum towards alternative accommodation costs.

Spanish Holiday Home Insurance Claims

We have a 24 hour claims helpline, so you can report your claim as soon as it happens.

Once reported, the team aim to call you back within 24 hours. However, please note that if you report your claim at the weekend we aim to call back on the following Monday.

Photographs of any damage may help us to move your claim along more quickly so please take a few photos if you can. You can email these across to

Need to make a claim?

Call the team between 8.30am and 5.30pm on:

0170 8777 720

Spanish Holiday Home Insurance Articles & Guides

We've got a whole hub of information about holiday homes. Read up on:


insurance guide

Buying a Holiday Home Guide

Profitable business, treasured home away from home, and very often a mix of both, a holiday home can be a fantastic investment to consider. Get the most for your money and...

View insurance guide
Marketing Your Holiday Home Hot Tub


What to Do When Marketing Your Holiday Home

Properly marketing your holiday home is vital to its success as a business venture. In this detailed article, we cover the most important steps to follow to make sure your holiday home can be competitive.

insurance guide

A Guide to Holiday Home Insurance

Holiday homes need a specific insurance policy, as they can be left unoccupied, rented out or located abroad. Whether you've got a flat or a villa, in the UK or abroad, read our article and video guide to protecting your holiday home.

Costal Holiday Home Exposed Thumb


How to Protect Your Holiday Home from the Elements

Purchasing property abroad is one of the biggest investments you’ll ever make. Naturally you want to protect that investment, especially when your holiday home is left unoccupied and is more susceptible to threats.

Holiday Home Europe


Where to buy a holiday home in Europe

Trying to find the ideal spot to buy a holiday home can be tricky but there are still some prime locations that will make you want to jet off right away. We've selected four sunny hotspots: Spain, France, Portugal and Cyprus - each with their own unique draws.

Spanish Holiday Home Insurance FAQs

What happens if I cannot visit my Spanish holiday home during the Covid-19 pandemic?

We understand that due to the Covid-19 outbreak you may be unable to visit your property. Read our FAQs for this situation.

Is this policy solely eligible for holiday homes in Spain?

No, this kind of policy is available for holiday homes in: Bulgaria, France, Ireland, Italy, Greece, Portugal, Southern Cyprus, and the UK.

How do I know that my property is a holiday home?

If you use the property for holidays or holiday lets only, then it is likely that your property will be classed as a holiday home. If you have a property which you visit more often, say for work or to visit nearby relatives, then it may be considered a second home for insurance purposes. See our second home insurance page for more information.

My property in Spain does not fit into the category of a holiday home, can you still provide insurance?

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 something happens to my holiday home while I am away, what can I do?

Unfortunately, emergencies do happen. If an issue occurs and you must travel to your holiday home, we may pay up to £300 in travel expenses for you and a family member to travel to the property, plus a sum towards alternative accommodation.

Am I protected in the event of a natural disaster?

If your property in Spain is damaged due to a natural catastrophe such as a flood, earthquake or a volcanic eruption, or a man-made catastrophe such as terrorism or rioting, you may be covered for the cost of material damage.

Can I pay in instalments?

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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