Home and Contents Insurance

Homeowners and contents insurance

In Spain, and particularly on Mallorca, protecting your property is just as important as it is in Northern European countries, though the types of coverage and insurance options can vary.

verisure
1 Step 1

Verisure Alarm system from Securitas Direct

Triple protection for your home or business

Exclusively, Iberia Insurance Brokers now offers its customers a 50% discount on Securitas Direct alarm systems.
You will also receive a sentinel. This newly developed device monitors the parameters such as room temperature, humidity or air quality and automatically sends an emergency call to the control center in the event of a critical situation.
You will also benefit from the service being in your native language (German, Spanish, English and Swedish).

Securitas Direct not only guarantees you the most innovative products in the security industry. You also receive an all-round protection with a security flat rate.
In this way, you receive the best possible protection without hidden costs.
The security flat rate includes a maintenance service by trained technicians, sabotage protection in the event of damage to the telephone and power lines, a 24-hour emergency and service control center, as well as cooperation with the police, fire brigade and rescue services. Use this service and request - today - a free and non-binding appointment for your personal security plan.
Find out now how Securitas Direct can best protect your home!

Securitas Direct: The most frequently recommended alarm system for private households - with more than 30 years of experience in the field of security across Spain.

Verisure alarm services - at a glance


Reaction within 29 seconds
Our agents in the emergency call and service control center respond to an alarm message within 29 seconds.

Alarming police and security services
As soon as an emergency or burglary has been verified by our agents, we immediately dispatch our security personnel and notify the police, fire brigade or rescue service.
Perfect protection against squatters.

Technical Support 24/7
Our technical support is available around the clock. From battery replacement to product replacement to the dispatch of a trained technician, everything is included.

SOS function for emergencies
The night switch enables you to immediately request help in any emergency situation and to contact our alarm receiving center. You are not on your own!

No matter where – you have full control at any time
With the Verisure App you control and monitor your alarm system comfortably from your smartphone / tablet - no matter where you are in the world.

Lifetime warranty and maintenance
All products in our safety system have a lifetime warranty and you benefit from perfect maintenance (100% included) by our trained technicians.

Privacy Policy
A lot is going on in the insurance industry right now.
reCaptcha v3
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right

A building insurance policy in Spain protects the external structure of your property—walls, roof, and any external areas—against unexpected damage caused by storms, fire, or break-ins. For property owners on Mallorca, this is especially crucial as the climate and local conditions can bring about unique risks, such as damage from strong storms or high temperatures.

On the other hand, contents insurance safeguards everything inside your home, including furniture, electronics, personal belongings, and valuable items. It offers protection in case of theft, vandalism, water damage, or other unforeseen incidents. This is particularly important on Mallorca, where many properties are used as vacation homes, and the risk of burglary may increase during periods when the house is unoccupied.

Comparing the leading insurers is essential to find the best value for money. We handle this comparison for you, ensuring that you receive a tailored insurance solution that fits both your property and personal needs. Opting for a combination of building and contents insurance often results in significant savings, as many insurers offer discounts or special conditions when both policies are bundled together. This allows you to enjoy comprehensive coverage at a reduced cost without compromising on protection.

If you own a property in Mallorca or elsewhere in Spain, it’s our priority to help you get the best possible protection. We are here to guide you, ensuring that your home—whether a permanent residence or a vacation property—is fully and properly insured.

Why choose us

1. Exclusive Rates:
We offer special tariffs with many insurers, helping you achieve significant premium reductions when switching providers or optimizing your existing policy.

2. Independent Advice:
Our salaried, independent advisors provide unbiased, no-obligation consultations—ensuring the best protection for your property at no extra cost.

3. Personalized Service:
We offer tailored insurance solutions, including comprehensive advice on combining building and contents insurance, so your property in Spain is fully protected against all likely perils with a comprehensive All-Risk cover

1 Step 1
How is the property used?
Housing situation
Main use
Use
Information about the property
Outside closed village? (> 1km)
Insurance sum
Valuables

For co-insurance of the valuables given below, the items contained in the sum insured must be stated.

Note: valuables are only insured, if stated here.

Valuables: paintings, sculptures, antiques, precious rugs, silverware / carcase silver

Property Security
Is a burglar alarm system available?
Security
Personal Information
Where is your property located?
Do you want to specify a correspondence address?
Would you like to provide further information?
Privacy Policy
A lot is going on in the insurance industry right now.
reCaptcha v3
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right

What services do our building insurance and home contents insurance cover?

  • Fire, lightning, explosion
  • Water damage
  • Windstorm, hail
  • Electrical surcharg
  • Natural perils such as earthquakes, tornados, tidal waves, etc
  • Glass breakage
  • Burglary, robbery
  • Including liability insurance
  • Aesthetic restoration
  • Natural hazards
  • Landslide and subsidence
  • Reimbursement of expenses for clean-up work
  • Alternative accommodation
  • Others

serviceplus, more than just standard

At Iberia insurance brokers customers receive an Iberia Service+. But what does that mean? It’s very simple, our customers are worth a lot to us, and so we want to offer our customers more service through the standard insurance service. Service for which no one of our customers has to pay extra or has to conclude an extra contract – just our service for you.

  • Selection of insurance from more than 10 different insurance companies
  • 24/7 hotline – free – Spain wide
  • personal consultation for the customer on spot
  • Cost-benefit analysis of the pension schemes with optimization suggestions
  • Advice in your language

How do you differentiate between building insurance and contents insurance?

In Spain, a combined building and contents insurance provides comprehensive protection for your property and everything that matters to you. Here’s a more personal overview:

With building insurance, you protect the exterior and structure of your home, including walls, roof, windows, and fixed installations like your kitchen and bathroom. Whether it’s damage from storms, fire, or vandalism, you’re safeguarded against unexpected costs.

Contents insurance covers everything that makes your house a home—furniture, electronics, and valuable personal belongings. In case of burglary, water damage, or fire, you can rest assured that you’re financially protected.

Many insurers in Spain also offer useful additional services, such as liability coverage in case someone is injured on your property, or protection for your holiday home when it’s unoccupied for extended periods. This gives you peace of mind, whether you’re living in the property full-time or only visiting occasionally.

What does the building insurance and contents insurance in Mallorca and Spain include?

Choosing the right building or contents insurance is an important decision, and we’re here to make the process as simple and personal as possible. Here are a few key considerations that can help:

1. Understand your needs: First, think about what’s most important to you. Is your property a vacation home or your primary residence? Do you have valuable items or specific requirements? The clearer you are about your needs, the easier it is to find the right insurance coverage.

2. Choose the right coverage: A good insurance policy should protect not only the building itself but also your personal belongings. Think about the value of your furniture, electronics, and personal items, and make sure the policy offers sufficient coverage for both the structure and the contents of your home.

3. Seek advice and compare: Take advantage of the opportunity for independent, no-obligation advice. We’re happy to help you compare different insurers and policies, ensuring you find the solution that best fits your situation. Often, bundling different types of insurance can also lead to attractive discounts.

Ultimately, it’s about feeling confident and secure in your decision. We’re here to guide you every step of the way, ensuring you get the best insurance solution for your property in Spain or Mallorca, tailored to your unique needs.

Frequently asked questions about buildings insurance and household contents insurance:

The list of the most relevant insured perils normally includes:

  • Fire, lightning, explosion, aircraft impact
  • Electrical surcharge
  • Burglary, robbery
  • Windstorm, hail
  • Natural perils such as earthquakes, tornados, tidal waves, etc.
  • Land sliding, subsidence
  • Glass breakage
  • Debris removal
  • Alternative accommodation
  • Personal and pet-keepers liability
  • Others

The premium for a holiday home is often higher than for a primary residence, and there are some good reasons for that. When you’re not there all the time, the risk of certain issues increases. For example, break-ins, squatting, or vandalism. A property that’s unoccupied for long periods can become an easier target for these kinds of problems. Insurance companies factor in this higher risk because damages, in the case of a break-in or other incident, tend to come with higher costs.

Water damage is another big consideration. If you’re not regularly on-site, a small leak could go unnoticed until it causes significant damage. These repairs are usually more expensive and complicated, and insurers take that extra risk into account.

Additionally, holiday homes are often located in tourist or more exposed areas, where the risk of natural disasters like storms or flooding is higher. All of these factors mean that premiums tend to be higher, but this ensures that you’re fully protected should something happen—even if you’re not there to deal with it immediately.

Ultimately, it’s about giving you peace of mind that your holiday home is fully protected, no matter how long it’s unoccupied.

The contract terms for building or contents insurance are usually quite flexible, allowing you to choose the coverage that best suits your lifestyle and needs. Typically, the contract lasts for one year, and the great thing is: you can decide each year whether to renew the policy or switch to a different provider.

If you’re looking for long-term protection, you can have the contract automatically renewed. However, if your situation changes—perhaps you start using your holiday home more often or undertake renovations—you can easily adjust or cancel the policy as needed.

We’re happy to guide you in finding the best solution for your property, so you don’t have to worry about long-term commitments—just enjoy the protection you need, when you need it.

When choosing the right building and contents insurance, there are a few key things to keep in mind to ensure your home or holiday property is fully protected:

  1. Your personal needs: Every property is unique, and your lifestyle plays a big role. Is this your primary residence, where you spend most of your time, or a holiday home that’s often unoccupied? Do you have valuable furniture or items that are especially important to you? These considerations help us find the perfect insurance solution tailored to you.
  2. Comprehensive coverage: Make sure your policy covers all the essential risks relevant to your property. From fire, theft, and water damage to storm damage and natural disasters, it’s important to be prepared for any situation. And in the case of more unusual events like glass breakage or landslides, your policy should have you covered.
  3. Customized terms: Think about the deductible. A higher deductible can lower your premiums, but it also means you’ll pay more out of pocket if something goes wrong. We can help you find the right balance that suits your needs and budget.
  4. Rebuilding and replacement: Make sure your insurance covers both the rebuilding cost of your home and the replacement value of your belongings. This ensures that, in the unfortunate event of major damage – whether from fire or other incidents – you can rebuild your home and replace valuable items to their original state.
  5. Additional protection: Many insurance policies offer extra services that can make life much easier in case of damage. For example, coverage for clean-up costs or arranging alternative accommodation if your home becomes temporarily uninhabitable. These small extras can make a big difference in a stressful situation.
  6. Flexibility for your future: Life changes, and so should your insurance. Whether your living situation changes or you start using your holiday home more often, it’s important that your insurance can adapt to your needs.
  7. Comparing insurers: Each insurer offers different rates and benefits, which is why it’s so important to compare options to find the best coverage at a fair price. We’re here to help guide you through the process and filter out the best offers for your property.

Ultimately, your insurance should give you peace of mind, knowing that everything you value is well-protected.

There are several good reasons why it might make sense to cancel or at least reconsider insurance policies taken out through a bank after the first year:

Higher costs after the first year: Many bank-offered insurance policies seem attractive in the first year—often with special discounts or perks. However, after the first year, premiums often increase significantly. You might start with a good deal, but in the second year, you could end up paying much more without any improvements in coverage.

Less flexibility: Bank insurance policies are often part of bundled packages that aren’t always perfectly tailored to your individual needs. After the first year, you have the chance to explore whether more tailored options from specialized insurers better fit your life and situation.

Lack of support: Banks often do not provide the same level of support or service in the event of a claim. Unlike specialized insurers, banks may not offer the personal assistance or customer service you need when a claim arises, leaving you to handle much of the process on your own.

Better offers on the market: The insurance market is constantly evolving, and after a year, you may find better deals that provide more coverage for less money. It’s always worthwhile to compare policies after the first year to ensure you’re still getting the best value for your money.

By reassessing your insurance after the first year, you give yourself the opportunity to avoid being tied to long-term, more expensive, and less flexible contracts.

The free liability insurance often included in a Spanish building or contents insurance policy provides you with extra protection, ensuring you’re covered in situations you might not even think of as a risk.

This can include:

  • Property owner’s liability
  • Personal liability
  • Pet owner’s liability

For example, imagine a guest gets injured in your home by slipping on wet tiles or a slippery staircase. Liability insurance covers the costs if you’re held responsible for the injury. It also steps in if there’s damage to someone else’s property—for instance, if a water leak from your apartment damages the one below you.

What’s particularly reassuring is that this coverage is automatically included, without any extra cost to you. It protects you from potentially large financial claims and ensures that in the case of an incident, you’re not left to handle the situation alone. Whether it’s bodily injury or property damage, liability insurance covers the costs, allowing you to focus on more important things.

In short, the free liability insurance gives you peace of mind, knowing you’re protected against unforeseen events—without any extra effort or expense. It’s a small, but significant safeguard that can make a big difference when it really matters.

Liberty’s home and contents insurance offers comprehensive coverage and flexible options (Basic, Plus, Premium) tailored to customers’ needs. Key benefits include the protection of property and contents against fire, water damage, and theft, as well as the annual adjustment of insured sums in line with inflation. Additional advantages include a 24/7 emergency service and an IT help desk. Potential downsides could be the cost of the Premium option or certain exclusions, such as the lack of coverage for jewellery and cash.

Zurich’s home and contents insurance offers several advantages, such as 24-hour assistance for emergencies like broken windows or burst pipes, comprehensive coverage for water damage, electrical damage, fire, theft, and legal protection. It also provides options for tenants and property owners, including specific coverages for main residences, second homes, and rental properties. Additional services like handyman support and IT assistance are available. However, the premiums for extended coverage plans, such as the “Total” option, may be higher, and certain exclusions or limits may apply, such as theft coverage from storage rooms.

Personal advice

Seek advice? Get now direct and non-binding advice.
Just leave us your e-mail address or telephone number and we will get back to you as soon as possible.

My personal offer
1 Step 1
Privacy Policy
A lot is going on in the insurance industry right now.
reCaptcha v3
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right
All form data will be transmitted encrypted and processed internally confidentially by us.

Get the best policies and rates here.

Iberia Insurance Broker reviews your existing insurance policies and provides you with comparative offers from various insurers including Allianz, Liberty, Zurich, DKV, and many more. With our headquarters in Mallorca and specialists throughout Spain, we are always on hand to offer you advice that saves you money.

We speak your language:
+34 971 69 90 96 - Telephone
+34 900 525 890 - free hotline 24/7
info@iberiainsurancebrokers.co.uk

Denise Latocha

Denise Latocha

Write to me

Condominiums

Condominiums

Hole-in-one insurance

Hole-in-one insurance

Boat and yacht insurance

Boat and yacht insurance

Cyber Risks

Cyber Risks

Construction Third Party Liability

Construction Third Party Liability

Jet ski insurance

Jet ski insurance

Other interesting insurances

As an insurance broker of your trust, we offer a wide range of complementary insurance policies to provide you with comprehensive insurance cover.

1 Step 1

Verisure Alarm system from Securitas Direct

Triple protection for your home or business

Exclusively, Iberia Insurance Brokers now offers its customers a 50% discount on Securitas Direct alarm systems.
You will also receive a sentinel. This newly developed device monitors the parameters such as room temperature, humidity or air quality and automatically sends an emergency call to the control center in the event of a critical situation.
You will also benefit from the service being in your native language (German, Spanish, English and Swedish).

Securitas Direct not only guarantees you the most innovative products in the security industry. You also receive an all-round protection with a security flat rate.
In this way, you receive the best possible protection without hidden costs.
The security flat rate includes a maintenance service by trained technicians, sabotage protection in the event of damage to the telephone and power lines, a 24-hour emergency and service control center, as well as cooperation with the police, fire brigade and rescue services. Use this service and request - today - a free and non-binding appointment for your personal security plan.
Find out now how Securitas Direct can best protect your home!

Securitas Direct: The most frequently recommended alarm system for private households - with more than 30 years of experience in the field of security across Spain.

Verisure alarm services - at a glance


Reaction within 29 seconds
Our agents in the emergency call and service control center respond to an alarm message within 29 seconds.

Alarming police and security services
As soon as an emergency or burglary has been verified by our agents, we immediately dispatch our security personnel and notify the police, fire brigade or rescue service.
Perfect protection against squatters.

Technical Support 24/7
Our technical support is available around the clock. From battery replacement to product replacement to the dispatch of a trained technician, everything is included.

SOS function for emergencies
The night switch enables you to immediately request help in any emergency situation and to contact our alarm receiving center. You are not on your own!

No matter where – you have full control at any time
With the Verisure App you control and monitor your alarm system comfortably from your smartphone / tablet - no matter where you are in the world.

Lifetime warranty and maintenance
All products in our safety system have a lifetime warranty and you benefit from perfect maintenance (100% included) by our trained technicians.

Privacy Policy
A lot is going on in the insurance industry right now.
reCaptcha v3
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right

You have the choice

Optimally insured by one of our partners

Mapfre
DKV Logo
caser seguros
Ergo
Cigna
Berkley
Liberty
Allianz
lloyd's
Arag
Mutua
PlusUltra
Bavaria
Sanitas
Zurich
Ideal

You haven't found what you are looking for?

My personal advice
1 Step 1
Privacy Policy
A lot is going on in the insurance industry right now.
reCaptcha v3
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right
All form data will be transmitted encrypted and processed internally confidentially by us.