Welcome to El Arfero, where your dream home in Spain is not only an investment, but also a place of protection and peace of mind. Whether you plan to live there permanently or rent it out as a holiday home, it is essential to make sure your property is properly insured. In fact, home insurance is even mandatory when you take out a mortgage. At El Arfero, we understand that insurance can sometimes be confusing, which is why we are happy to tell you all about the main insurances you need for your home in Spain.
Home insurance, building insurance or fire insurance.
Home insurance, also known as building insurance, is designed to protect your property against various risks, such as damage from fire, lightning, storm, theft and burglary. It is important to know that not only the house itself is insured, but also everything attached to it, including windows, plumbing, kitchen appliances, and more. We make sure you are covered for the amount that would be needed to rebuild your home. All you have to do is tell us all the details of your home, such as the number of square metres, year of construction and security measures.
Home contents insurance
Although it is not compulsory, we highly recommend insuring the contents of your house in Spain. Especially if you do not live there permanently, it is a wise choice. Our contents insurance covers damage to all your possessions, such as furniture, from fire, water, burglary, and more. The great thing is that in Spain, personal liability insurance and theft outside your home are also included in our comprehensive contents insurance.
Liability insurance
At El Arfero, we understand that taking responsibility is important. This is why liability insurance is compulsory when you buy a house. This insurance covers financial damage or bodily injury for which you or your family members are liable. For example, imagine storm damage to your house in Spain, with a loose roof tile hitting a passerby. liability insurance also covers damage caused by third parties, such as tenants.
Any Extra Cover for Your Holiday Home in Spain
- We understand that every home is unique, which is why we also offer additional coverages that you can add as you wish:
- Loss of income: Useful if you cannot rent out your holiday home because of damage.
- Travel expenses: Useful for last-minute travel to your holiday home due to unforeseen events.
- Domestic staff: Ideal for owners with gardeners or cleaners employed.
Leave the choice to you, so you can feel well protected and enjoy your second stay carefree!
