House/Home Contents Insurance

For Mallorca, Canary Islands and Mainland Spain

Secure your building insurance & home contents insurance with Iberia

Our buildings insurance in Spain protects the external appearance and structure of your property – i.e. walls, roof and outdoor facilities – against unexpected damage such as storms, fire, mains water, burglary and much more.

We automatically include your home and landowner’s liability insurance free of charge.

On the other hand, our household contents insurance protects your entire household contents, i.e. furniture, electrical appliances, personal belongings and valuable furnishings, art and jewelry in your home. It offers security in the event of theft, vandalism, water damage or other unforeseen incidents.

As we do not represent just ONE insurance company, with IBERIA INSURANCE BROKER you enjoy a wide choice of insurers. We will find the right solution for your needs.

Why choose Iberia Insurance Brokers?

Customized Rates and Wide Selection

We work closely with all leading insurers.

We are Independent

We offer free and non-binding advice. We work with various insurers to ensure you get the best insurance coverage.

Always There for You

Our team of English insurance experts is available for you 24/7.

Our building & home contents insurance provides

Fire, explosion, and lightning strike
Water damage
Storm and hail damage
Overvoltage damage
Damage from natural disasters, earthquakes, floods, etc.
Glass breakage
Burglary, theft, and robbery
Including liability insurance
Aesthetic restoration
Elementary damage
Landslide and subsidence
Cost coverage for cleanup operations
Alternative accommodation
As well as other coverages

With us you get more - our additional services

In Spain, a combined building and home contents insurance offers comprehensive protection for your property and everything important to you.

Additionally, we offer useful additional services, such as liability protection in case someone is injured on your property, or coverage when your holiday home is unoccupied for long periods. So you can relax, whether you live in your property year-round or only occasionally.

The right choice – Which insurance suits me?

Choosing the right building or home contents insurance is an important decision. Here are some personal considerations that might help you:

Understand your needs:

Is your property a holiday home or your main residence? Do you have special valuables or specific requirements? We help you with your considerations.

Choose the right scope:

A good insurance policy should not only protect the property itself, but also your possessions. Consider how much your furniture, electronics, and personal items are worth to you. Our team is here to assist you.

Finding the best premium:

Take advantage of the opportunity to receive a non-binding consultation. We help you compare different insurers and rates. Often, attractive discounts can also be achieved by combining insurance policies.

Ultimately, it is about feeling comfortable and secure with your decision. We are here to assist you in finding the best insurance solution for your property in Spain or on Mallorca – tailored to your individual needs.

Important Questions & Answers

Frequently asked questions about building and contents insurance:

What are the most important risks covered by a building/contents insurance?

Fire, explosion, and lightning strike
Water damage
Storm and hail damage
Overvoltage damage
Damage from natural disasters, earthquakes, floods, etc.
Glass breakage
Burglary, theft, and robbery
Including liability insurance
Aesthetic restoration
Elemental damage
Landslides and ground subsidence
as well as other coverage
Costs – including costs arising from damages for cleanup or necessary alternative accommodation

Why are the premiums for building and contents insurance in Mallorca and Spain higher for vacation properties?

The premium for a vacation property is often higher than for a primary residence, and this has understandable reasons. If you are not constantly on-site, the risk of unexpected incidents increases. Imagine: burglaries, occupations, or vandalism. A property that is unoccupied for long periods becomes an easier target for such incidents. Insurers take this higher risk into account as the costs in the event of damage often prove greater.

Also, water damage plays a significant role. If you do not regularly check on the property, a small water pipe leak can go unnoticed and cause significant damage over time. Such damages take more effort to repair, and the risk is rated higher by insurers.
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Additionally, many vacation homes are located in tourist or exposed areas, where there is a higher occurrence of natural disasters such as storms or floods. These additional risks are factored into the premium calculation to ensure you are optimally protected in an emergency – even if you cannot be on-site constantly.

At the end of the day, it’s about the peace of mind that your vacation property is as well protected as possible, no matter how long it stands empty.

How long is a building and contents insurance valid in Mallorca and Spain?

The contract terms for building or contents insurance are usually very flexible, allowing you to get the coverage that matches your lifestyle and your needs. Most often, the contract is signed for one year, and the nice thing is: You can decide every year whether to extend the contract or switch to another provider.

If you want long-term security, you have the option to automatically extend the contract. But if your situation changes, for example, if you use or renovate your vacation property more often, you can easily adjust or cancel the contract.

We are happy to advise you on finding the best solution for your property, so you don’t have to worry about long-term contract commitments – but rather enjoy the protection you need right now.

What should be considered in building/contents insurance?

When taking out a building and contents insurance policy, there are some important things to keep in mind to ensure your home or vacation property is optimally protected:

Your personal needs: Every property is different, and your lifestyle plays a big role. Is it your primary residence, where you live daily, or a vacation house that stands empty for longer periods? Do you have valuable furniture or special items you care about? These considerations help us find the perfect insurance solution for you.
Comprehensive coverage: Make sure the policy covers all the important risks relevant to your property. From fire, burglary, and water damage to storm damage or natural disasters – it is crucial that you are protected in every situation. And if there is glass breakage or a landslide, even such unusual damages should be covered.
Tailor-made conditions: Consider the deductible. A higher deductible can lower the premium, but you bear more costs yourself in the event of damage. We help you find the balance that suits you best.
Reconstruction and replacement: Ensure your insurance covers both the reconstruction value for your house and the new value for your contents. This gives you the assurance that, in the worst-case scenario – whether due to fire or other major damage – you can rebuild your home as it was before and replace your valuable items.
Additional security: Many insurance policies offer extra services that significantly ease everyday life in the event of damage. These include covering cleanup costs or arranging alternative accommodation if your house is temporarily uninhabitable. These small extras make a big difference in an emergency.
Flexibility for your future: Life changes, so your insurance options should remain flexible. Whether your housing situation changes or you use your vacation property more often – a good insurance policy adapts to your life.
Insurance comparison: Each insurer offers different rates and services. Therefore, it is vital to compare options to find the best protection for your property at a fair price. We are here to help you and filter out the best offers for you.

At the end of the day, your insurance should give you the reassurance that everything you hold dear is well protected.

Why should insurance policies taken out with banks be canceled after one year?

There are several good reasons why it may make sense to cancel or at least reconsider insurance policies you have taken out with a bank after a year:

Often higher costs after the first year: Many insurance policies taken out through banks seem attractive in the first year – perhaps there are even special discounts or perks. But after the first year, premiums often rise significantly. You may find that you initially got a good deal, but in the second year, you suddenly pay more without an improvement in coverage.
Less flexibility: Bank insurance policies are often less flexible, as they are offered in packages that do not always precisely fit your individual needs. After the first year, you have the opportunity to see if there are better, tailor-made options with specialized insurers that suit your life situation more accurately.
Banks offer no support or general service in case of damage.
Better offers on the market: The insurance market is constantly in motion, and after a year, you might find better offers that offer you more protection for less money. An insurance comparison after the first year is always worthwhile to ensure that you continue to get the best value for money.

By reconsidering your insurance situation after the first year, you have the chance not to bind yourself to long-term more expensive and less flexible contracts.

What is liability insurance in building and contents insurance?

The free liability insurance often included in a Spanish building or contents insurance policy offers you additional protection and ensures that you are covered in certain situations where you might not have considered a risk.

Property owner liability
Personal liability
Animal owner liability

Imagine a guest getting injured in your property, for example, by falling on wet tiles or a slippery staircase. The liability insurance covers the costs if you are held responsible for the damage. It also steps in for damage to third-party property, for example, if by accident water from your apartment starts dripping into the one below and causes damage there.

What is particularly reassuring: This coverage automatically takes effect without any extra cost. It not only protects you from high financial claims but also ensures you are not alone in case of an emergency. Whether it’s personal injury or property damage, the liability covers the expenses, so you can focus on what truly matters.

In short, the free liability insurance gives you the peace of mind that you are protected against unforeseen events – without additional effort or cost. A small but significant protection that makes a big difference in an emergency.

What are the advantages and disadvantages of Liberty's building and contents insurance?

The buildings and contents insurance from Liberty offers comprehensive coverages and flexible options (Basic, Plus, Premium) that can be tailored to meet the needs of customers. Benefits include protection of property and contents against fire, water damage, and theft, as well as annual adjustment of insurance sums to account for inflation. Additional advantages are the 24/7 emergency service and an IT support service. Drawbacks may include the costs of the Premium option or certain exclusions, such as non-coverage of jewelry and cash.

What are the advantages and disadvantages of Zurich's building and contents insurance?

The buildings and contents insurance from Zurich offers various benefits, such as a 24-hour emergency service for emergencies like broken windows or burst pipes, comprehensive coverage for water damage, electrical damage, fire, theft, and legal protection. It also provides tailored options for tenants and owners, with specific coverage for primary residences, second homes, and rental properties. Additional services like handyman and IT support are also available. Drawbacks could be higher premiums for extended coverage options such as the ‘Total’ variant, as well as certain exclusions or coverage limits, such as for thefts from storage rooms.

Free Service:

We review and optimize your existing insurance.

We take a close look at your current insurance policies and offer you tailor-made comparison offers from leading insurers like Allianz, Generali, Zurich, DKV and many more.

Whether you have had insurance for a long time or just want to ensure you have the best coverage at the best price – we are here for you. Together, we check your existing policies and compare them with the latest offers we have created for you.

Personal Consultation

Would you like a personal consultation? Let us advise you without obligation. Provide us with your email address or phone number, and we will get back to you promptly.