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Expat tenant unpacking boxes in a rented flat in Murcia, renters insurance with Allianz

Tenant insurance in Spain

Renting an apartment in Murcia or anywhere in Spain? Your landlord’s insurance covers the building, not your things. Protect your furniture, laptop and belongings, and your liability to the landlord, with an English-speaking Allianz agent.

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Compare plans

Your furniture, electronics and belongings covered icon

Your furniture, electronics and belongings covered

Liability to your landlord and neighbours icon

Liability to your landlord and neighbours

Emergency home assistance in every plan icon

Emergency home assistance in every plan

Plans

Seven levels of cover, sized for renters

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 tenants

Protect your belongings and your deposit

Protect your belongings and your deposit

When you rent in Spain, the landlord insures the building. Everything you bring into the flat, and any damage you accidentally cause to it, is your responsibility. This is what tenant insurance protects.

When you rent in Spain, the landlord insures the building. Everything you bring into the flat, and any damage you accidentally cause to it, is your responsibility. This is what tenant insurance protects.

Belongings icon

Your belongings, fully protected

Furniture, clothes, electronics and personal items are insured against fire, water damage, natural events and electrical damage in every plan, from the day you move in.

Liability to your landlord icon

Liability to your landlord

Accidentally start a kitchen fire or leave a tap running and flood the flat? Damage to your landlord's property and to neighbours is covered by your liability cover, up to €300,000 from Basic without theft.

Theft and valuables icon

Theft and valuables

Burglary, petty theft, theft from your storage room and your declared valuables are covered from Basic with theft upwards. Plus adds robbery away from home and cash.

Glass breakage icon

Glass breakage

Crack the glass hob, a mirror or the shower screen and your policy covers it, so the repair doesn't come out of your deposit when you move out.

Electronics icon

Accidental damage for your electronics

Dropped your laptop or cracked the TV? Comprehensive adds accidental damage and unexpected household accidents, ideal if you work from home or own expensive electronics.

Home assistance icon

Assistance, IT help and pest control

Every plan includes emergency home assistance. Plus adds IT assistance, pest control and pet assistance, and Extra adds a handyman for small jobs around the flat.

Good to know

Renting in Spain as an expat: four things to know

Your landlord's insurance doesn't cover your things icon

Your landlord's insurance doesn't cover your things

The owner's policy protects the building. After a fire, a leak or a burglary, your furniture, clothes and electronics are only covered if you have your own tenant insurance.

Your landlord's insurance doesn't cover your things icon

Your landlord's insurance doesn't cover your things

The owner's policy protects the building. After a fire, a leak or a burglary, your furniture, clothes and electronics are only covered if you have your own tenant insurance.

The deposit (fianza) icon

The deposit (fianza)

For residential lets the law sets a deposit of one month's rent, and landlords may ask for up to two further months as an extra guarantee. Accidental damage you cause can be deducted from it; tenant insurance can cover it instead.

The deposit (fianza) icon

The deposit (fianza)

For residential lets the law sets a deposit of one month's rent, and landlords may ask for up to two further months as an extra guarantee. Accidental damage you cause can be deducted from it; tenant insurance can cover it instead.

Some landlords require liability insurance icon

Some landlords require liability insurance

It is increasingly common for landlords and letting agencies to ask tenants for liability insurance before signing the lease. We can arrange your policy and send you the certificate.

Some landlords require liability insurance icon

Some landlords require liability insurance

It is increasingly common for landlords and letting agencies to ask tenants for liability insurance before signing the lease. We can arrange your policy and send you the certificate.

Students, digital nomads and short stays icon

Students, digital nomads and short stays

Moving to Spain for a year to study or work remotely? You can insure your belongings in a furnished rental too: tell us what you're bringing and we'll size the cover.

Students, digital nomads and short stays icon

Students, digital nomads and short stays

Moving to Spain for a year to study or work remotely? You can insure your belongings in a furnished rental too: tell us what you're bringing and we'll size the cover.

More home options

Own the home or let it out?

Own the home or let it out?

If you own your home in Spain, let a property long term or run a holiday let on Airbnb or Booking.com, these pages explain the cover for each use.

If you own your home in Spain, let a property long term or run a holiday let on Airbnb or Booking.com, these pages explain the 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

See cover

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

Holiday villa let on Airbnb and Booking.com, holiday rental insurance in Spain

Holiday rental insurance

Airbnb, Booking.com and Vrbo lets, with guest liability

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Holiday villa let on Airbnb and Booking.com, holiday rental insurance in Spain

Holiday rental insurance

Airbnb, Booking.com and Vrbo lets, with guest liability

Holiday villa let on Airbnb and Booking.com, holiday rental insurance in Spain

Holiday rental insurance

Airbnb, Booking.com and Vrbo lets, with guest liability

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Get your tenant insurance quote

Tell us where you rent, the size of the flat and the approximate value of your belongings, and an agent will prepare a tailored proposal for you, in English.

FAQs

Tenant insurance in Spain: frequently asked questions

AMB Seguros is an exclusive Allianz agency in Murcia helping expats, students and remote workers who rent in Spain protect their belongings and their deposit with tenant insurance, with advice in English.