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🏠 Occident · Home Insurance

Your home protected.
Whether renting or owning.

From your first rental in Barcelona to owning your own home, home insurance covers every stage of your life here.

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Who is this insurance for

Renting, buying or letting. There's a policy for every situation.

In Spain, home insurance is almost always required by landlords when signing a rental contract. But it goes far beyond the requirement, it's real protection for the space where your life happens.

01I'm signing a rental contract and need the insurance
02I'm a landlord and want to protect my property
03I've bought a property and want full coverage
04I want 24h home assistance, plumbing, electrics, locksmiths
05I have pets and need civil liability included
What's covered

Real protection, from structure to contents.

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Building structure
Cover for damage caused by fire, water, weather events and other incidents to the structure of the property.
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Contents and personal belongings
Furniture, appliances, electronics and personal items, protected against theft, fire and accidental damage.
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24h home assistance
Plumber, electrician, locksmith, glazier and more, available 24 hours a day, 7 days a week.
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Civil liability
Protects you if you cause damage to third parties, neighbours, visitors or common areas of the building.
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Pets
Civil liability for damage caused by your pets to third parties, included in the home insurance policy.
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Theft and vandalism
Cover for burglary and damage caused by vandalism inside and outside the property.
Frequently asked questions

Questions I get asked most.

I'm a tenant, do I really need home insurance?
Most rental contracts in Spain require it. But beyond the contractual obligation, tenant insurance covers your personal belongings and your civil liability, the landlord's policy only covers the building structure.
Does the Consorcio de Compensación de Seguros cover floods?
The Consorcio covers extraordinary natural catastrophes, but only for those who already have an active home insurance policy. Without insurance, there's no Consorcio coverage.
How much does home insurance cost in Barcelona?
The price depends on the type of property, value of contents and chosen coverage. In the free consultation we calculate the exact figure for your situation, no commitment required.
Does the policy cover my laptop and phone?
Electronic devices are covered under the contents cover, with limits we define together when taking out the policy. There's also the option of off-premises cover for laptops and mobile devices.

Free consultation. No commitment.

Tell me your situation, whether you're renting, buying or about to sign a contract, and I'll put together a personalised proposal.

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