Yes, home insurance is mandatory for all tenants. It protects you in the event of an incident (fire, water damage, etc.) and covers any damage caused to the property or its equipment.
đŤđˇ đ§đŞ đŠđŞ Insurance is not included in your contract. You must therefore take out your own home insurance yourself from the start of your lease.
You must cover your room (or your unit) and, in shared flats, your share of the apartment, to protect the property against external damage or damage you may cause as a tenant. Your certificate must cover at minimum rental risks (fire, explosion, water damage).
For shared flats, indicate to your insurer the surface area of your room calculated pro rata to the number of rooms. Examples:
100 m² apartment with 4 rooms â indicate 25 m² (100/4)
130 m² apartment with 6 rooms â indicate 22 m² (130/6)
How to subscribe? See our dedicated article.
You must send us a valid certificate no later than your arrival date.
đŞđ¸ In Spain, home insurance is included in your contract, except for your personal belongings. You therefore don't need to take out your own insurance, unless you wish to cover your personal belongings.
â What if I'm not insured?
Not having insurance constitutes a breach of contract. In the event of an incident, costs can be very high and remain your responsibility.
Without insurance:
You won't be able to move into the property
You risk contract termination
And most importantly, you won't be protected in case of an accident or damage