Buildings Insurance in Spain (2026): Essential Guide for Homeowners & Expats
Buildings insurance in Spain (seguro de continente) protects the physical structure of a property — walls, ceilings, floors, pipes, wiring and all fixed elements that form part of the building.
Buildings insurance is one component of home insurance in Spain, focusing on the structure rather than personal belongings.
If you own property in Spain, this insurance is a core layer of protection, especially against water leaks, fire, electrical damage and structural claims. It is not legally mandatory nationwide, but it is required in practice in many situations.
Need buildings or home insurance in Spain?
What Buildings Insurance Covers
Buildings insurance typically includes:
Structure & Fixed Elements
- Walls, ceilings and floors
- Roofs and terraces
- Windows and doors
- Built-in wardrobes
- Garages and storage rooms
Installations
- Plumbing systems and pipes
- Electrical wiring and surge damage
- Drainage and overflow
Damage Caused by
- Water leaks and burst pipes
- Fire and smoke
- Storms, wind and hail
- Electrical faults
- Theft-related damage (forced entry)
Some policies also include emergency assistance, clean-up costs and civil liability.
Water Damage
Damage caused by leaks or failures in:
- Roofs
- Water tanks
- Shared plumbing risers
Optional Add-ons
Some communities extend coverage to include:
- Shared window glass
- External lighting
- Gardens or landscaped areas
- Coverage details depend on the estatutos of the community and the insurer’s policy conditions.
Spain’s legal framework for property ownership:
What Isn’t Covered (Key Exclusions)
Buildings insurance does not usually cover:
- Furniture and personal belongings
- Appliances (unless built-in)
- Wear and tear or poor maintenance
- Condensation-related damp
- Pest damage
For full protection, most owners choose a combined Buildings + Contents policy.
Do You Need Buildings Insurance in Spain?
You should have buildings insurance if you:
- Own a house or apartment
- Rent property to tenants
- Are a non-resident managing property remotely
- Want protection against water or electrical claims
- Have a mortgage (banks require it)
Although not mandatory by law, buildings insurance is strongly recommended for property owners.
Expats, Rentals & Second Homes
Expats and non-residents face higher risks:
- Undetected water leaks
- Electrical damage in empty homes
- Liability claims from neighbours
If your property is:
- A second home → buildings insurance is essential
- A rental property → add landlord liability and optional malicious damage
Community Insurance vs Individual Buildings Insurance
Many buildings in Spain have community insurance (seguro comunitario), which usually covers:
- Structural elements of the building
- Common areas
It does not cover:
- Interior pipes and installations
- Interior walls, ceilings or floors
- Liability inside your apartment
Common Claims in Spain?
The most frequent buildings insurance claims are:
- Water leaks (the most common)
- Electrical damage from power surges
- Storm damage, especially in coastal areas
- Structural damage from sudden events
How Much Does Buildings Insurance Cost?
Typical annual prices:
- Buildings only: €120–€250
- Combined home insurance: €180–€350
Final pricing depends on:
- Property size and location
- Construction value
- Usage (primary, rental, holiday home)
Buildings vs Contents Insurance (Quick Comparison)
| Insurance Type | Covers | Needed When |
|---|---|---|
| Buildings | Structure & installations | You own the property |
| Contents | Furniture & belongings | You live there / rent furnished |
| Combined | Both | Most expats |
How to Get Buildings Insurance in Spain
Step 1 — Share property details
Type, size and location.
Step 2 — Compare insurers
We review expat-friendly options.
Step 3 — Get covered
Fast activation, clear conditions, bilingual support.
Key Takeaways — Buildings Insurance Spain
- Covers the structure, not contents
- Often required for mortgages
- Community insurance does not replace it
- Water and electrical damage are the top risks
- Combined home insurance is the most common choice
FAQs — Buildings Insurance Spain
Is buildings insurance mandatory in Spain?
No, but banks usually require it.
Does it cover water leaks?
Yes, if caused by sudden accidental damage.
Does it cover contents?
No — contents need separate insurance.
Does community insurance cover my apartment?
Only common areas, not interior damage.
Can non-residents get buildings insurance?
Yes — fully.
Protect Your Property in Spain with the Right Buildings Insurance
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