Home Insurance in Spain: What Every Expat Should Know

Spain's Energy Performance Certificate (EPC) system rates homes from A (most efficient) to G (least efficient). If your property scores an A or B rating, you could unlock exclusive home insurance benefits on renewal with Allianz.

As an expat, you may not be fully familiar with Spain’s energy certification regulations, but understanding them can pay off—literally.

An energy-efficient home is not only more sustainable, but also less likely to experience common damage caused by outdated systems, poor insulation, or electrical inefficiencies. That translates to fewer claims and, in turn, better rates for you.

Spain’s climate makes it ideal for eco-upgrades like:

• Solar panels: lower your electricity bills and carbon footprint
• Modern heat pumps: ideal for Mediterranean winters
• Advanced insulation: keeps your home cool in summer, warm in winter

Allianz offers expat-focused home insurance options that align with your property and lifestyle needs:

• Basic + Theft Coverage: great for renters and small apartments
• Plus Home Insurance: ideal for homeowners seeking stronger protection
• Extra Coverage: the most popular for expats; it includes aesthetic repairs, water damage, and advanced theft protection
• All Risk Insurance: maximum protection, with extras like pet and plant care, furniture and appliance glass coverage

Whether you're renting in Valencia or buying a second home in Mallorca, we have tailored policies for:

• Non-resident buyers
• Holiday home owners
• Long-term expat renters

Emergencies don’t wait—and they don’t care if you’re fluent in Spanish. Allianz’s English-speaking emergency team guarantees a certified technician on-site in under three hours, anywhere in Spain.

Plus, our service includes:

• 24/7 medical and legal assistance
• Coverage for civil liability (including pets)
• Dedicated English-speaking claims support

If your home already has an Energy Performance Certificate (EPC), check your rating. If it's A or B, you may qualify [BR1] for benefits on renewal. If not, consider upgrading—it's an investment that pays off in energy savings and insurance benefits.

To secure your Allianz expat home insurance:

As an expat, you’ve made the bold move to live life differently. Allianz helps you protect that life—with intelligent coverages that grows with you.

Secure your Spanish home with Allianz today and enjoy the peace of mind that comes from being covered—by a partner who understands your journey.