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Guide for expats

Allianz home insurance in Spain

By Linus Palmqvist, Head of Operations Reviewed by Simon Nilsson Last reviewed

Allianz has a separate home product for each way of using a home, sold in English on a Spanish contract. Read what it does well, the catch, and how to set it up.

Set up Allianz with SettlewellVisit Allianz
An Allianz branch on a Spanish street

Should you pick Allianz?

Allianz has separate home products for owners, landlords, tenants and tourist rentals, sold in English with an English claims team. The catch is that the binding policy is Spanish: we could not find it published in English, and the English marketing plan names do not map cleanly onto the Spanish contract tiers. That is where Settlewell helps, by explaining the Spanish wording and setting up the right product.

Allianz can suit you if

  • Your use is specific: a landlord, a tenant or a tourist rental with its own product.
  • You are comfortable with English service on a Spanish policy.
  • You want cover tailored with selectable protections.

Check carefully if

  • You want the binding policy in English: Allianz sells in English, but no English wording was found.
  • You are relying on the English marketing tier names: they do not line up neatly with the Spanish contract.
  • You want to compare Allianz with the others first. The comparison lays all six out side by side.

Choose your route

You can set Allianz up through Settlewell, or go to Allianz directly. Either way, get the Spanish policy documents and confirm the product and the excess before you buy.

Settlewell home-services specialists helping an international resident arrange home insurance in Spain

Let Settlewell set up Allianz for you

We pick the right plan with you, handle the setup and the back-and-forth with Allianz, and keep you in the loop. We can also help with the rest of your move: internet, electricity, water and alarms.

  • We match the plan and cover to your home, your belongings and how the property is used.
  • We deal with the insurer for you and explain anything that is unclear.
  • Settlewell is free to use, and we compare the options so it is the right fit before you commit.
Set up Allianz with Settlewell
Leo and our team help you compare and set up in English

What to get right before you buy

These four decide whether a home policy pays out properly. Get them right whoever you buy from.

  1. 1

    Rebuilding value, not the purchase price

    Insure the cost to rebuild the home, leaving out the land. Insuring for the price you paid can leave you badly under-insured.

  2. 2

    How the property is used

    Main home, second home, long-term rental and holiday let are different risks. Describe the real use, because the wrong category can cause problems at claim time.

  3. 3

    What your community policy already covers

    A building's community policy may cover the structure but usually not your belongings, your private pipes or your own liability. Check before you double up or leave a gap.

  4. 4

    The right plan for the cover you need

    Plans include different things, and useful cover can sit higher up the range. Pick the plan around the cover you actually want.

How Allianz is set up

Allianz sells a separate product for each way of using a home, in English, but the binding policy is Spanish, so get the Spanish documents and confirm the product before you buy.

A product for each use

Owners, landlords, tenants and tourist rentals each have their own Allianz product. Tell us the exact use so the right one is set up.

English names, Spanish contract

The English marketing plan names do not map cleanly onto the Spanish contract tiers, and we could not find the policy published in English. Settlewell explains the Spanish wording for you.

Getting the Spanish documents

Ask for the Spanish General Conditions and the IPID, the short standardised summary of what a policy covers, and confirm which product your quote is. Settlewell handles that side for you.

Compare it with the other insurers

This is one option, and the right insurer depends on how you use your home. See all six side by side before you decide.

Línea Directa

Read guide
English
Full English policy
Best for
Main & second homes, landlords
Settlewell
Direct only

Zurich

Read guide
English
Full English policy
Best for
Main, second homes, landlords
Settlewell
We can set it up

Caser

Read guide
English
Full English policy
Best for
Main, second homes, landlords
Settlewell
We can set it up

Generali

Read guide
English
English service, Spanish contract
Best for
Any use, incl. tourist lets
Settlewell
We can set it up

Mapfre

Read guide
English
Spanish site and policy
Best for
Main, second homes, landlords
Settlewell
We can set it up
See the full comparison

Allianz home insurance: common questions

Still have questions?

Want Allianz set up?

Tell us about the home and how you use it. We match it to the right Allianz product and handle the Spanish side for you.

Set up Allianz with Settlewell

About this content

Written by

Linus Palmqvist

Head of Operations at Settlewell

Linus moved from Sweden to Málaga in 2021 and set his own home up here, so most of this he has already done the hard way once. Before Settlewell he spent years at Workwide, the cross-border recruiter that has helped over 10,000 people into jobs abroad, latterly as its Head of Recruitment and Operations. He speaks Spanish, lives in Málaga with his partner, and spends his days on the phone to Spanish providers.

Reviewed by Simon Nilsson, Founder & CEOLast reviewed

How we researched this, and who checked it

Written by Linus Palmqvist (Operations) and reviewed by Simon Nilsson (CEO). Last reviewed 23 July 2026. We use the official pages, policy wordings and product documents of each insurer. Settlewell is free to use, and insurers pay a commission when you set up a policy through us. Allianz is an independent insurer and Settlewell is not connected to it.

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