Ibex Eurohome
Home insurance for your home in Spain
Whether you live in Spain all year, come for the summer or let your property, Ibex has a home policy that fits. We help you choose the right one and set the right sums insured.
- Policies for permanent homes, holiday homes and apartments
- Buildings, contents and public liability
- Optional cover when you let your property
- Policy documents in English
What’s covered
Buildings and contents
- Fire, lightning, explosion and earthquake
- Escape of water or oil, including trace and access to find the leak
- Theft or attempted theft
- Storm and flood
- Vandalism and malicious damage
- Impact by vehicles, falling trees or aerials
- Accidental damage to fixed glass and sanitary fittings
- Electrical power surges
Also included (Home Plus policies)
- Subsidence, heave and landslip
- Accidental damage to underground pipes, cables and drains
- Alternative accommodation if your home can’t be lived in
- Theft of keys and emergency access
- Garden restoration and plants in the garden
- Frozen food, metered water and heating fuel
- Liability to the public
Optional
- Accidental damage to buildings or contents
- All risks cover for personal possessions away from home (permanent homes)
- Pedal cycles
- Golfers’ cover: clubs, trophies, green fees
- Emergency travel
- Letting cover and property owner’s liability
A summary only. The policy wording and your schedule set out the full cover, limits, excesses and exclusions.
Which home policy?
| Home Plus Spain | Holiday Home Plus Spain | Holiday Apartment Essential | |
|---|---|---|---|
| For | The home you live in all year | A villa or house you use for holidays | An apartment in a community, as a top-up to the community’s building insurance |
| Buildings | Yes | Yes | First loss cover up to 25% of the contents sum insured |
| Contents | Yes, with many extras | Yes | Yes |
| Liability to the public | Yes | Yes | Up to €1,000,000 |
| Letting | Optional (permanent home let) | Optional (short and long term lets) | – |
| Golfers’ cover | Optional | Optional | Optional |
Holiday Apartment Essential has a €75 excess on all sections. The exact limits of every policy are in its policy wording and your schedule.
If your home is empty for a while
Tell us if your home will be unoccupied for more than 30 days in a row, meaning nobody sleeps there. Some cover, such as theft and water damage, is restricted while a home is unoccupied.
For holiday homes and apartments, theft from inside the home is only covered if the minimum security is fitted and used whenever you're away: deadlocks or a multi-point lock on the front door, locks or bolts on patio doors, and locks, shutters or grilles on windows that can be reached from the ground or a terrace. Not sure whether your locks qualify? Send us photos and we'll check.
Letting your property
If you let your home to holidaymakers or long-term tenants, standard home insurance may not cover it. Ibex offers optional letting cover that extends your liability to the letting period. Tell us how you let your home and we'll arrange the right cover.
Static and mobile homes
Ibex also insures static homes on a park, for permanent or holiday use. See static home insurance.
For a quote
Have these ready, or simply call us and we’ll ask the right questions:
- Address and type of property (villa, townhouse, apartment)
- Whether you live there permanently, use it for holidays or let it
- Approximate rebuild value and value of your contents
- The locks fitted on doors and windows
Policy documents
Read the full terms before you buy. All documents are PDFs in English.
Questions
My community already insures the building. Do I need home insurance?
The community (comunidad de propietarios) policy normally covers the structure and shared areas, not your contents, your liability or damage inside your apartment. Holiday Apartment Essential is designed as a top-up for exactly that.
Does my mortgage bank need its own policy?
Spanish banks often offer their own home insurance with a mortgage, but you are free to choose your insurer. Ask your bank which cover it requires, and we’ll quote you for it.
How do I make a claim?
Call us or the Ibex claims line as soon as you can, and talk to Ibex before you arrange any repairs. Report theft or vandalism to the police. Our claims page explains the steps.
Other insurance
Talk to us in English
Amparo Meroño at our office in La Fuente speaks English and Spanish. Call, send a WhatsApp or ask for a quote online.