Home & yacht insurance in Mallorca

English insurance consultant for expats and residents across the Balearic Islands. With 30 years of local experience, I provide a friendly service in English and Spanish to ensure your peace of mind.

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Insurance agent in Mallorca & the Balearic Islands

Insurance consultant for expats and residents across the Balearic Islands. With 30 years of local experience, I provide a friendly service in English and Spanish to ensure your peace of mind.

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English insurance agent

English insurance services in Mallorca & Ibiza

As an English insurance agent with 30 years of experience, I provide the best insurance solutions for expats and residents in Mallorca. Whether it’s luxury villa insurance, yacht insurance, or private health insurance, I will provide the right coverage for your needs.

Insurance Categories

Home & property insurance

Expert home and villa insurance for residents and expats in Mallorca.

Yacht & boat insurance

Tailored marine insurance for your boat across Mallorca, Ibiza and Menorca

Private health insurance

Private health insurance and medical coverage in the Balearics.

Life insurance

Reliable life insurance planning in the Balearic Islands

Car & motor insurance

Expert car and motor insurance with local guidance in the Balearics.

Business insurance

Safe business and commercial insurance

Common insurance questions

Frequently asked questions

The Spanish insurance system can be complex, especially for a foreigner, but with my help, securing visa-compliant policies and understanding the specific maritime regulations in the Balearics becomes easy, as I provide the clear guidance you need to insure your assets in the Balearic Islands. 

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In the Balearic Islands, certain types of boat insurance may be legally required depending on the vessel and its use. Motorised boats and larger vessels generally require at least Civil Liability insurance to operate legally in Spanish waters. Many yacht owners in Mallorca, Ibiza and Menorca also choose broader coverage to protect against hull damage, salvage costs and weather-related risks, especially in the Mediterranean.

Expats living in Mallorca often require a combination of insurance policies depending on their residency status and lifestyle. This may include private health insurance, home or property insurance, car insurance and personal liability coverage. The appropriate structure can vary depending on whether you are a resident, non-resident or in the process of relocating to the Balearic Islands.

Home insurance in the Balearic Islands may cover structural damage, contents, civil liability and certain environmental risks, depending on the policy. Coverage can be adapted for apartments, villas and rural fincas, and may differ for primary residences, holiday homes or rental properties. Specific inclusions can vary based on location, property type and usage.

Non-residents who own property or vehicles in Spain may still need locally compliant insurance policies. Foreign insurance may not always meet Spanish legal requirements, particularly for vehicles registered in Spain or properties used seasonally. Each situation should be assessed individually to ensure compliance and adequate protection.

Private health insurance may be required for certain residency permits in Spain, such as non-lucrative visas or long-term stays. Policies are often expected to meet specific conditions, including full coverage without co-payments and validity throughout Spain. Requirements can vary depending on visa type and personal circumstances.

Civil Liability insurance is designed to cover damages caused to third parties, whether personal or material. In Spain, this coverage plays an important role across many insurance types, including home, vehicle and yacht insurance. Adequate liability limits can be particularly relevant given the legal and financial implications of claims.

Yes. Luxury villas and high-value properties in Mallorca usually require a specialised home insurance policy designed for higher asset values and unique risks. These may include extended liability limits, additional coverage for outbuildings or landscaped areas, and protections tailored to seasonal or secondary residences.