Buildings & contents insurance on Mallorca

Insure your house, your finca or your apartment on Mallorca reliably – with genuine English-speaking advice, transparent settlement and tailored insurance cover for properties in Spain.

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We look for the best and most competitive buildings and contents insurance in Spain for you. That's a promise!

• Reliable claims handling
• An English-speaking contact
• The right tariffs for Spanish properties
• Optimal cover for burglary, fire, storm, water, glass & natural perils
• English-language contracts
• English-speaking claims service
• With up to 50% discount

A quote in 30 seconds – free of charge & without obligation.

Buildings & contents insurance for Mallorca – an independent comparison for optimal cover

A property on Mallorca offers quality of life – but it also brings particular demands when it comes to insurance cover. Whether it's a finca inland, an apartment in Palma or a holiday home on the coast: damage caused by burglary, storm, fire or escape of water can never be ruled out entirely. As an independent insurance broker we compare suitable contents and buildings insurance for Mallorca on your behalf and ensure that your property is protected in the best possible way.

We advise you entirely in English, review tariffs from various insurance companies and recommend solutions that fit precisely the requirements of your property and your personal situation.

Why a dedicated Mallorca contents insurance is so important

Many standard policies in Spain provide only basic cover. For high-value properties, unusual construction methods or valuable furnishings, this is often not enough. In addition, the terms and sums insured vary considerably from one company to the next.

Typical gaps in many local contents or buildings insurance policies:

• limited or missing cover for valuables
• no comprehensive glass cover
• restricted cover for natural perils
• the risk of underinsurance
• complicated claims handling without an English-speaking service

As an independent broker we select, from different companies, the tariffs that close these gaps reliably.

What contents and buildings insurance for Mallorca should cover

We compare policies from various providers and make sure that both your property and its contents are comprehensively protected. The cover can be extended or reduced as you wish – you always receive a tailored solution.

• Burglary & theft cover
• Cover for fire, lightning strike and explosion
• Cover for storm and hail damage
• Escape of water and damp damage
• Flood & natural peril damage
• Glass breakage to windows, doors and conservatories
• Cover for furniture, electronics and contents
• Cover for outdoor areas such as terraces & garden furniture

Buildings insurance Mallorca – cover for a house, finca or apartment

Buildings insurance protects the fabric of your property and is particularly important on Mallorca given the climatic conditions and the structural particularities. We review the tariffs of various companies for you and find the cover that suits your property best.

Cover includes, among other things:

• roof, walls, windows and installations
• outbuildings, garages and pools
• solar thermal and photovoltaic systems
• storm, hail and weather damage
• damage from fire or overheating
• water pipe and damp damage
• other natural events (depending on the tariff)

Ideal for:

• flats and apartments
• villas and fincas
• holiday homes
• let properties (short & long term)

Through our independent market analysis you receive a recommendation that is neither tied to particular providers nor influenced by individual companies. You benefit from clear terms and English-speaking support in the event of a claim.

Risks specific to Mallorca – what you should look out for

Mallorca presents particular risks that demonstrably lead to damage more frequently. That is why it is important that the insurance policy includes precisely these points.

• increased burglary risk in tourist regions
• corrosive sea air that attacks building materials
• storms and heavy rain in autumn
• risks arising from holiday letting
• differing installation standards for electricity and water

As an independent broker we review tariffs from various providers for you and select those that cover these risks as well as possible.

Our advantages for you

With us you receive not only a comparison and advice, but also ongoing support – from the first conversation through to claims handling.

• an independent tariff comparison across several companies
• English-speaking advice on Mallorca and online
• a quick quote within 24 hours
• transparent terms without hidden costs
• support in the event of a claim – without a language barrier

Which properties is the cover suitable for?

Our comparisons and recommendations are suitable for almost every type of property on Mallorca:

• fincas
• villas
• flats / apartments
• holiday homes
• properties for letting
• new builds and existing properties

Frequently asked questions about contents and buildings insurance on Mallorca

How does contents insurance on Mallorca differ from a UK policy?

Spanish standard policies often have lower sums insured, tighter exclusions for valuables and different rules for natural perils. With us you receive a Spanish policy that is nonetheless designed to a high level of cover – including English-speaking claims settlement.

Is a holiday property automatically insured if it is only used seasonally?

No. Many policies restrict cover for longer periods when the property is empty, or exclude damage when it is unoccupied. We select tariffs that explicitly include holiday and second homes and come with clear rules for letting periods.

Does the policy also cover damage from holiday letting (Airbnb, guests)?

Yes, provided the tariff is designed for it. Not every policy covers damage caused by tenants or guests. We check specifically whether your type of use – short-term letting, long-term letting or own use – is correctly reflected, so that no gap in cover arises in the event of a claim.

Which natural perils are particularly important to insure on Mallorca?

Storms and heavy rain in autumn, flooding near rivers, lightning strikes and – in some locations – ground movement. The sea air also plays a role (corrosion to façades and installations). Good policies cover these risks comprehensively.

How does claims handling work if I am not in Spain?

You report the claim by phone or email – in English. We coordinate with the insurer, the assessors and local tradespeople and keep you informed in English. This way your claim is settled properly even when you happen to be in the UK or elsewhere.