ValenciaLink
Property Insurance

Home Insurance. Instant Price. Online Policy.

Protect your home, your biggest investment, or your rental property. Get instant quotes from Spain's top insurers. Building, contents, flood coverage, and 24/7 home assistance — all in one policy.

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Flood cover included
24/7 home assistance
Building
Contents
Flood
Liability

We compare property insurance from Spain's top providers

Mapfre Adeslas AXA Zurich Allianz Generali Reale Génesis

What's Covered

Comprehensive protection for your home — building, contents, and liability.

Building

Structural damage, walls, roof, fixtures. Full rebuild cost coverage.

Contents

Furniture, electronics, appliances, personal belongings. Replacement value.

Water Damage

Burst pipes, leaks, overflow. Fast response and repair coverage.

Fire

Fire damage, smoke, soot. Full structural and contents replacement.

Theft

Burglary, break-ins, stolen items. Contents and building damage covered.

Natural Disasters

Storms, floods (Consorcio), earthquakes. Comprehensive disaster protection.

Liability

Third-party injury or damage. Legal protection and compensation coverage.

Home Assistance

24/7 emergency repairs. Locksmiths, plumbers, electricians, glaziers.

Temp Accommodation

Alternative housing if your home becomes uninhabitable. Hotel costs covered.

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1 Owner/Tenant
2 Property
3 Details
4 Your Price

Are you an owner or tenant?

This determines your coverage options

About your property

Property size affects coverage limits

Your details

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Your Property Insurance Price

€30 /mo

Based on your profile. Final price confirmed upon policy issuance.

  • Building & contents cover
  • Flood coverage included
  • 24/7 home assistance
  • Liability protection

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Property Insurance in Valencia

Why property insurance is essential for homeowners and tenants in Valencia.

Flood Risk

Valencia faces periodic flooding, especially during DANA storms. Consorcio flood coverage is included in all property policies, protecting against water damage from natural causes.

DANA Storms

Mediterranean storms can cause significant damage. Comprehensive coverage protects your building and contents from storm-related damage, including wind, rain, and flooding.

Community Living

Apartment living means shared risks. Liability coverage protects you if damage to your property affects neighbors, and covers damage from common areas.

Tourist Rental

If you rent your property on Airbnb or similar platforms, specialized coverage protects against guest-related damage, theft, and liability issues.

Valencia property

Property Insurance FAQ

Property insurance is not legally mandatory, but mortgage lenders typically require building insurance. Contents and liability insurance are optional but highly recommended, especially for rental properties and apartments.
Yes. All property insurance policies in Spain include Consorcio flood coverage, which protects against damage from natural disasters including floods, storms, and earthquakes. This is automatically included at no extra cost.
Building insurance covers the structure (walls, roof, fixtures) and is typically required by mortgage lenders. Contents insurance covers your belongings (furniture, electronics, personal items). Owners usually need both; tenants typically only need contents insurance.
Yes. Standard property insurance may not cover commercial rental activities. Specialized tourist rental coverage protects against guest-related damage, theft, liability claims, and loss of rental income. We offer policies tailored for Airbnb hosts.
Water damage from leaks, burst pipes, or overflow is covered under most property policies. Many insurers also offer 24/7 home assistance, providing immediate access to plumbers and emergency repairs to minimize damage.

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