Home Insurance That Actually Matches Whether You Rent or Own
A generic quote isn't the same as one built around your lease, your mortgage, or your first Spanish apartment. Ask us for real quotes that fit your actual situation.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Home Insurance
If you rent, you mainly need contents and liability cover — the building itself is the landlord's policy, not yours. If you own, especially with a mortgage, building cover is usually required by the lender on top of contents. Confialy is useful here because renter and owner risk are genuinely different, and a generic quote often prices or covers the wrong one.
Renter and owner policies compared separately, not lumped together.
Plain-language summaries — no dense policy jargon to decode alone.
We flag if your landlord's or lender's requirement isn't met by a plan, before you buy it.
Who Is Home Insurance For?
You're renting and your landlord requires proof of home insurance — and you want to get it right the first time.
You just bought your first home in Spain and this is your first time insuring it here.
You're switching because your current plan is expensive or doesn't cover what you thought it did.
What Does Home Insurance Cover in Spain?
- Building/structure (owners). Walls, roof, fixed installations — usually required by mortgage lenders.
- Contents. Furniture, appliances and belongings against fire, water damage and theft.
- Water damage. One of the most common home claims in Spain — burst pipes, leaks from neighbors.
- Fire & electrical damage. Fire, explosion and power surges that damage wiring, appliances or the structure itself.
- Theft & break-in. Contents and sometimes cash/jewelry up to a policy limit.
- Glass breakage. Windows, glass doors and shower screens — often excluded from bare-bones contents-only plans.
- 24/7 emergency assistance. A locksmith, plumber, electrician or glazier dispatched any time, day or night.
- Temporary accommodation. Hotel costs if a covered claim leaves your home unliveable while repairs are done.
- Civil liability at home. Covers accidental injury or damage you cause to others — often bundled in as standard.
Worth checking before you buy
Whether high-value items (electronics, jewelry, art) need to be listed and valued separately to actually be covered — a blanket contents limit often won't cover a single expensive item in full.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Home Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Home Insurance in Spain
Do landlords in Spain require tenants to have home insurance?
Many do, especially for contents and liability — check your lease, and we'll help you find a plan that satisfies it exactly.
Is home insurance mandatory for owners with a mortgage?
Most mortgage lenders require at least building insurance — we flag this clearly during your quote so there's no surprise at signing.
Does home insurance cover theft in Spain?
Typically yes, up to a policy limit — full terms are shown before you buy so you know exactly what “up to” means for your situation.
How much does home insurance cost in Spain for renters vs. owners?
Renters' contents-only policies are usually cheaper than owners' building-plus-contents policies — your comparison will show real numbers for your specific case.