Home Insurance in Mallorca

Home insurance for luxury villas, apartments, and fincas in Mallorca. As an English insurance agent with over 30 years of local experience, I find the best policies for expats and foreigners across the island.

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Years of finding the best house insurance in Mallorca for many home owners and expats alike

Trusted by the best home insurers such as Reale, Zurich, Hiscox, Allianz, Axa & Generali

Satisfied expat home owners with my close, friendly, and exclusive service

Bilingual insurance agent providing services in both Spanish & English fluently.

English property Insurance in Mallorca

Home insurance in Mallorca protects homeowners and tenants from risks and damages, typically it covers building structure, contents and legal expenses. While home insurance is not mandatory, if you have a mortgage, lenders typically require you to have at least fire and basic damage insurance.

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Wooden shutters of a large traditional Mallorca villa overlooking a sunny private garden.

Coverage Options for home Insurance in Mallorca

House insurance in Mallorca can be separated in Buildings coverage (Structure), and Contents coverage (Items inside the home). Civil liability and fire damage coverage are recommended.

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Buildings Insurance

  • Civil Liability (Third-Party Coverage)
  • Fire Damage
  • Theft & Vandalism Damage
  • Water & Windows Damage
  • Electrical Damage
  • Garden & Swimming Pool Damage
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Contents Insurance

  • Civil Liability (Third-Party Coverage)
  • Fire Damage
  • Theft & Vandalism
  • Art, Jewellery & Valuables
  • Electrical Damage (Items)
  • Exterior Furniture & Contents
Get Contents Insurance

Secure the Best English Villa insurance in Mallorca today

Whether you’re looking for apartment, estate, house, or luxury villa insurance in Mallorca, the process can be long and complex, especially for foreigners and expat homeowners in Spain. Fill out the form and I will review your case carefully, typically responding within two working days with expert guidance to ensure the protection of your home against unforeseen circumstances.

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Best home Insurance in Mallorca

Coverage for apartments, luxury villas and fincas in Mallorca, including top areas such as Portals Nous, Port d’Andratx, and Palma.

Calvià & South

Palma & Other

  • Son Vida & Palma
  • Deià, Sóller & Valldemosa
  • Pollença & Alcúdia
  • Santa María & Llucmajor
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A simple cotton hammock with pillows hanging in a peaceful Mediterranean garden with a stone wall with home insurance in Mallorca.

Interested in Home Insurance?

Find the right policy for you, whether you need luxury villa, estate, specific garden, or apartment insurance in Mallorca

FAQ About property Insurance in Mallorca

Getting home insurance in Mallorca can be complex and time-consuming, especially for expats and foreigners moving to Mallorca or already here. With expert help, securing expert Home Insurance and understanding the specific property regulations becomes easy, as I provide the clear guidance you need to insure your house in Mallorca. 

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The premiums of home insurance in Mallorca depend on several variables, rates are influenced by the rebuild value of the structure (Continente), the total value of your personal belongings (Contenido), and the specific security measures installed, such as alarms or reinforced doors. Since properties in coastal areas or rural fincas in Mallorca have different risk profiles, it is highly recommended to request a customised home insurance quote. Read More About Home Insurance Costs

Many homeowners in Mallorca are led to believe they must use the insurance offered by their mortgage provider, but under Spanish law, you have the right to choose your own provider. While Fire Insurance is often a mandatory requirement for a mortgage in Spain, bank-issued policies can be significantly more expensive than those found through an independent insurance agent. Contact an Insurance Agent

Standard insurance policies often have restrictions regarding unoccupancy, which is a critical factor for holiday home owners in Mallorca who may leave their property vacant for several months a year. To ensure your villa or apartment remains protected against theft, water damage, or squatters (okupas), you need a policy specifically designed for second residences. These policies acknowledge that the property is not a primary home and provide continuous protection while you are away.

In the Spanish insurance market, coverage is divided into two main categories: Continente (Buildings & Structure Insurance) and Contenido (Content & Items Insurance). Continente covers the walls, roof, and fixed installations like kitchens, while Contenido protects your furniture, electronics, and jewellery. A comprehensive Mallorca property insurance review can help you calculate these values accurately, ensuring that both your building’s structure and your personal valuables are fully protected against fire, flood, or theft. Contact an agent

Yes, Public Liability (Responsabilidad Civil) is one of the most important components of a Spanish home insurance policy. It protects you financially if your property causes damage to a others, for example in the event of a water leak from your apartment into the one below, or if someone is injured while on your premises. In Mallorca, where high-density apartment living and community pools are common, having a high limit for liability is vital.

In Mallorca, many apartments and townhouses are part of a community of owners, which typically holds a collective insurance policy. However, it is a common misconception that this policy provides total protection for your individual unit. While the community policy covers the building’s external structure and shared areas like the staircase, roof, and communal pool, it rarely covers your interior finishes, personal belongings, or your specific third-party liability as an owner. To avoid costly gaps in coverage, such as a private water leak that damages a neighbours ceiling, you must look into apartment insurance in Mallorca.

If you are a landlord in Mallorca, a standard home insurance policy is often insufficient as it may not account for the specific risks associated with third-party occupancy. You should transition to a landlord-specific insurance policy that includes enhanced coverage for “Malicious Damage by Tenants” and “Loss of Rent.” Many owners also opt for Rent Non-Payment Insurance (Seguro de Impago de Alquiler), which guarantees your monthly income for 6 to 12 months if a tenant stops paying, while also covering the legal costs of an eviction process. Additionally, if you are operating a holiday rental under an ETV license in Mallorca, you are required to have a specific level of Civil Liability coverage to protect against guest injuries.