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Hello ResidencyHello Residency

Home Insurance in Spain: Your Key to Secure Living

At Hello Residency, we help expats get fully compliant, affordable coverage that protects both your property and your belongings.
Discover your online budget in one click

Covers building and contents

24h home assistance

Second home discount available

What’s Included

Fire, explosion & natural events

Coverage for damage caused by fire, lightning, explosion, hail, windstorms, or flooding — up to 100% of your insured amount.

Water damage

Covers broken pipes, clogged drains, leaks from appliances, and even excessive water bills due to unnoticed leaks.

Breakage

Glass, mirrors, ceramic cooktops, sinks, marble, and sanitary fittings are repaired or replaced — including transport and installation.

Civil liability

Protects you against material or personal damage accidentally caused to third parties (e.g. neighbor disputes, guest injuries).

Legal protection

Covers damage claims, tax disputes, and legal assistance in case of unlawful occupation or utility conflicts.

Optional Add-Ons

Increase civil liability coverage

Get extra financial protection beyond the basic limits.

Cover community shortfalls

Insure your part of the building for damages not fully covered by the community insurance.

Cover cars in your private garage

Insures private-use vehicles against fire, lightning, or explosion while parked at home.

I want more Information

Animal Welfare Law & DKV EcoHogar

DKV EcoHogar complies with Spain’s Animal Welfare Law and allows you to include your dog under your home insurance’s Civil Liability coverage at no extra cost.
 To qualify, you must:

  • Hold an active DKV EcoHogar policy (Plus, Complet or Basic).
  • Have contents coverage included in your policy.
  • Declare your dog by providing their name, breed, and microchip number.

This benefit provides coverage of up to €150,000, which is significantly above the market average for dangerous breeds (typically €120,000).
 A great advantage for expats and pet owners in Spain.

Why Choose Hello Residency

Second home? Save 10%

Get a lifetime 10% discount if it’s a second residence or a rented property.

We speak your language

Our team handles everything in English (or your preferred language) to make your relocation stress-free.

No NIE required to apply

You can take out a home insurance policy using your passport and pay from abroad.

Immigration‑friendly

All our insurance options are valid for legal residency applications in Spain.

All-in-one assistance

From handyman services to legal protection and emergency support, your home is fully covered with one easy-to-manage policy.

Frequently Asked Questions

Do I need home insurance in Spain?
Home insurance is not legally required in Spain unless you have a mortgage—but it’s highly recommended to protect your property, belongings, and avoid legal liability in case of damage or accidents.

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Inmigration

We offer a range of services and resources for visa permits, as well as, any other assistance regarding what the expat could need and find useful

I arrived in Spain two months after Brexit because I wanted to study for a degree here. As I needed to apply for a student permit as soon as possible, I contacted Hello Residency to help me with all the paperwork. It was very quick. They told me not to worry, that they would take care of everything. And they did. Now I just have to wait to renew it once I finish. A service of 10.

Andrew Lowery – From Cambera (Australia)

I found Hello Residency a few months after Brexit because I was planning to move to Spain when I retired. This company made the whole process so much easier. I needed health insurance as one of the first requirements and in just a few minutes they found the one that best suited my needs. My husband and I are very grateful

Martha Smith – From Sussex (England)

How can we help?

Whether you need guidance with your residency process, legal advice, or simply have questions about living in Spain, we’re here to assist you. Fill out the form below or give us a call — our team is ready to provide you with personalized support every step of the way.

Phone

+34 666 342 250

Email

info@helloresidency.com

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