Home Insurance in Marbella
We protect your home, your belongings and your peace of mind, so you can live worry-free. Main residence, second home or rental.
Every use needs
its own cover
In Marbella, main residences, second homes and holiday lets all coexist. Each has its own particularities.
Main residence
The most complete cover. It contemplates continuous occupation and all everyday risks.
Holiday home in Marbella
If your property on the Costa del Sol is not your primary residence, you need specific holiday home insurance. Cover conditions differ from a standard policy — we advise you on which option best suits your situation.
Rental property
The owner insures the building and landlord liability. Rent default cover can be added.
Holiday let
It must be explicitly declared. Intensive use requires specific cover conditions.
Protection tailored
to your home
Essential
Basic protection for those who want to cover the essentials.
- Fire, explosion and lightning
- Property owner public liability
- Home emergency assistance
- Legal defence
Comprehensive
The perfect balance. Covers the most common situations.
- Everything in the Essential plan
- Water damage (pipes, leaks, third parties)
- Electrical damage
- Theft and robbery
- Glass breakage
Premium
Total cover. For high-value homes or multiple use.
- Everything in the Comprehensive plan
- Accidental all-risk cover
- Jewellery and valuables
- Second home included
- Priority support
Lost in the jargon?
Everything you need to know about home insurance
We have a full guide on cover and exclusions if you want to dig deeper.
Read the full guideBuildings cover the structure of the home: walls, floors, ceilings and fixed installations. Contents are your personal belongings: furniture, appliances, clothing and everyday items. Both must be valued correctly.
If you are a tenant, the landlord usually insures the building. But you should insure your contents and your public liability. If you cause damage to the property or to neighbours, it is your responsibility.
The damage to your home is covered by your own insurance, which then claims against the responsible neighbour's insurer. Having your own policy is essential so you don't have to wait for the other party to pay.
Yes, it is essential. These installations change the insured risk. If you don't report them and there is a related claim, the insurer could refuse to cover the damage.
If the sum insured is lower than the real rebuilding value, the payout is reduced proportionally. We review your current policy for free and tell you whether you are well covered.
The price depends on the building value (structure), the contents insured and the cover chosen. For a primary residence in Marbella, the typical range is between €150 and €400 per year depending on the insurer and cover level. At Segurmar we compare across several options so you pay a fair price.
Not automatically. Most standard policies are designed for primary residences. If you have a holiday home, you need a specific policy that accounts for the property being unoccupied for extended periods. At Segurmar we handle both types.
Yes. As a tenant, you can take out home insurance to cover your contents and your personal liability. You do not need to be the property owner to be insured.
Shall we review your current home insurance?
We check whether you're well covered and whether the price is right. Free, no obligation.