When you’ve soaked up the sun and finished that last glass of sangria, it may be good to know that your holiday home is just a short distance away, still safely standing just as you left it. That is where Spanish home insurance, of course, might lend a helping hand.

Safeguarding your holiday home in Spain with insurance

The core elements of your Spanish home insurance are likely to be two-fold and may or may not incldue some or all of the following elements (depending on the provider):

• protection against the risk of physical loss or damage to your property; namely

• safeguarding the building itself from such potentially calamitous events as fire, storm damage, vandalism, impacts, or falling objects; and

• insurance against similar risks for all the contents of your holiday home.

Less obvious but no less important

When it comes to overseas property cover, however, there may be more than simply the physical risks to your second home.

Third party liability insurance, for example, might form an essential part of the cover by offering you financial indemnity against possible claims from members of the public or other third parties whose property is lost or damaged or who suffer personal injury through their connection with the property you own. Such third party claims may commonly run to many thousands of pounds and, unless you have adequate Spanish home insurance in place, you might find yourself having to sell your beloved place in the sun.

If you employ someone to help clean and care for your holiday home, or perhaps look after it during those months you are away, you might also want your cover to include employers’ liability insurance. This additional financial safeguard might help you to meet any claims arising from any loss or damage to your employees’ property or, of course, any injury they sustain whilst working for you.

Where to buy it

It might be possible of course to arrange all of the cover you consider necessary for the protection of your place in the sun on your very doorstep in Spain.

The problem, however, may come when it comes to properly understanding the intricacies of a formal document written in Spanish and their likely interpretation by the Spanish legal system.

Rather than arranging your insurance cover locally, therefore, you might instead do this through a UK-based specialist provider of insurance for second homes overseas.

A distinct advantage to buying from such a UK-based, English-speaking intermediary, of course, is that you have a language in common and may be certain of the details of the policy you are buying. If it ever comes to making a claim on your Spanish home insurance, you might also have the practical comfort of knowing that it may all be conducted in your own language, too.

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