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White holiday villa near the Mar Menor let on Airbnb and Booking.com, holiday rental insurance with Allianz

Holiday rental insurance in Spain

Letting your apartment or villa on Airbnb, Booking.com or Vrbo, on the Costa Cálida or the Mar Menor? Protect your holiday let against guest accidents, damage, theft and lost rental income, with an English-speaking Allianz agent who understands short-term rentals.

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Liability cover for guests and neighbours icon

Liability cover for guests and neighbours

Emergency assistance between check-ins icon

Emergency assistance between check-ins

Theft, vandalism and loss of rent icon

Theft, vandalism and loss of rent

Plans

Seven levels of cover for your holiday let

Plan

Protection

What it adds

Basic with excess

Essential cover with excess

Fire • Water damage* • Natural events* • Glass breakage • Electrical damage • Third-party liability • Emergency home assistance

Basic

Essential cover, no excess

The same cover as Basic with excess, with no excess to pay on claims

Basic without theft

Extended damage cover

Smoke damage • Impact damage • Aircraft impact • Sonic boom • Refrigerated goods • Accidental liquid spills • Third-party liability up to €300,000

Basic with theft

Theft & vandalism cover

Home theft • Theft damage • Petty theft • Vandalism • Storage-room theft • Criminal damage to contents • Valuables cover

Plus

At home & away

Robbery away from home • Cash • Loss of rent • IT assistance • Travel assistance • Pest control • Pet assistance

Extra

Enhanced cover & services

Excess water use • Preventive drain clearing • Document replacement • Handyman service (2 call-outs) • Extended valuables cover • Enhanced cosmetic damage • Higher liability limits

Comprehensive

Maximum cover

Accidental damage • Unexpected household accidents • Higher cash limits • Temporary relocation • Gardens & trees • Maximum liability limits • Maximum cosmetic damage limits

* Suitable for main residences, second homes, rental properties and holiday rentals. Final cover, limits and excesses are confirmed in your quote.

→ Included in every plan: squatter (okupa) protection, with legal defence and eviction support to keep your home secure.

Cover for hosts

Cover for hosts

Protect your holiday let between every check-in and check-out

Protect your holiday let between every check-in and check-out

A holiday rental on Airbnb, Booking.com or Vrbo welcomes dozens of different guests every season, often while you’re in another country. More guests means more risk: accidents, breakages, damage and emergencies at any hour.

A holiday rental on Airbnb, Booking.com or Vrbo welcomes dozens of different guests every season, often while you’re in another country. More guests means more risk: accidents, breakages, damage and emergencies at any hour.

Host liability icon

Host liability

If a guest slips in the bathroom or a leak from your apartment damages the flat below, your liability as owner and host is covered in every plan, up to €300,000 from Basic without theft, with higher limits in Extra and Comprehensive.

Theft, vandalism and criminal damage icon

Theft, vandalism and criminal damage

Theft, vandalism and criminal damage to the furniture, appliances and equipment you provide for guests are covered from Basic with theft upwards.

Loss of rental income icon

Loss of rental income

If an insured event such as a fire or a major leak forces you to close the property, Plus and above compensate the rental income you lose while it's repaired.

Emergency assistance for your guests icon

Emergency assistance for your guests

A burst pipe at midnight or a lock that won't open: emergency home assistance sends plumbers, locksmiths and electricians, so your guests get help even when you're abroad.

Storms and electrical damage icon

Storms and electrical damage

Heavy rain, hail and electrical damage to fridges, air conditioning or TVs are covered in every plan. Extraordinary floods such as a DANA are paid by the Consorcio de Compensación de Seguros through your policy.

Glass breakage and accidental damage icon

Glass breakage and accidental damage

Glass breakage is included in every plan. With high guest turnover, Comprehensive adds accidental damage and unexpected household accidents for the everyday knocks and breakages.

Squatter protection between bookings icon

Squatter protection between bookings

Holiday lets can stand empty for weeks between bookings or out of season. Every plan includes squatter (okupa) protection, with legal defence and eviction support.

Good to know

Running a holiday let in Spain as an expat: four things to know

Register your tourist rental icon

Register your tourist rental

In the Region of Murcia, homes let to tourists must be registered as tourist accommodation (vivienda de uso turístico), and liability insurance is required. Since July 2025, listings on Airbnb or Booking.com also need a national rental registration number.

Register your tourist rental icon

Register your tourist rental

In the Region of Murcia, homes let to tourists must be registered as tourist accommodation (vivienda de uso turístico), and liability insurance is required. Since July 2025, listings on Airbnb or Booking.com also need a national rental registration number.

Platform host protection isn't home insurance icon

Platform host protection isn't home insurance

Programmes such as Airbnb's AirCover for Hosts have their own limits and exclusions and only apply to bookings made through that platform. They don't replace a policy for your building, your contents or your Booking.com, Vrbo and direct guests.

Platform host protection isn't home insurance icon

Platform host protection isn't home insurance

Programmes such as Airbnb's AirCover for Hosts have their own limits and exclusions and only apply to bookings made through that platform. They don't replace a policy for your building, your contents or your Booking.com, Vrbo and direct guests.

Declare the holiday use icon

Declare the holiday use

A home policy that doesn't reflect tourist use can leave claims in dispute. Our plans can be issued for holiday rentals, so the real use of the property is declared from day one.

Declare the holiday use icon

Declare the holiday use

A home policy that doesn't reflect tourist use can leave claims in dispute. Our plans can be issued for holiday rentals, so the real use of the property is declared from day one.

Tax on your holiday rental income icon

Tax on your holiday rental income

Non-resident owners declare rental income with Modelo 210. EU and EEA residents can deduct expenses such as insurance; non-EU residents, including UK residents since Brexit, are taxed on the gross income. Check your case with a tax adviser.

Tax on your holiday rental income icon

Tax on your holiday rental income

Non-resident owners declare rental income with Modelo 210. EU and EEA residents can deduct expenses such as insurance; non-EU residents, including UK residents since Brexit, are taxed on the gross income. Check your case with a tax adviser.

More home options

Not a holiday let?

Not a holiday let?

If you live in the property, let it long term or rent a home yourself, these pages explain the right cover for each use.

If you live in the property, let it long term or rent a home yourself, these pages explain the right cover for each use.

Bright living room in a Spanish home, home insurance for expats

Home insurance

For your main residence or second home in Spain

See cover

Bright living room in a Spanish home, home insurance for expats

Home insurance

For your main residence or second home in Spain

Bright living room in a Spanish home, home insurance for expats

Home insurance

For your main residence or second home in Spain

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Rented apartment in Spain, landlord insurance for expats

Landlord insurance

Protect your buy-to-let, rental income and liability

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Rented apartment in Spain, landlord insurance for expats

Landlord insurance

Protect your buy-to-let, rental income and liability

Rented apartment in Spain, landlord insurance for expats

Landlord insurance

Protect your buy-to-let, rental income and liability

See cover

Young woman unpacking boxes in a rented flat, tenant insurance in Spain

Tenant insurance

Your belongings and your liability to the landlord

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Young woman unpacking boxes in a rented flat, tenant insurance in Spain

Tenant insurance

Your belongings and your liability to the landlord

Young woman unpacking boxes in a rented flat, tenant insurance in Spain

Tenant insurance

Your belongings and your liability to the landlord

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Get your holiday rental insurance quote

Tell us where the property is, its size, how many guests it sleeps and which platforms you use, and an agent will prepare a tailored proposal for you, in English.

FAQs

Holiday rental insurance: frequently asked questions

AMB Seguros is an exclusive Allianz agency in Murcia helping expat hosts insure holiday rentals and Airbnb, Booking.com and Vrbo properties on the Costa Cálida, the Mar Menor and across Spain, with advice in English.