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Guide for expats

Generali home insurance in Spain

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

Generali runs an expat proposition with English-speaking agents and separate products for each way of using a home. Its newest product is modular, so read this before you assume what is included.

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A Generali branch on a Spanish street

Is Generali a good choice?

Generali serves expats through more than 200 English-speaking agents, with separate products for main homes, second homes, landlords, tenants and tourist rentals. Its newest home product is modular, which is the catch: water damage, theft, liability and legal cover can all be optional rather than standard, so a low quote may simply be a narrow one. The help is in English, but the binding policy is Spanish.

Generali can suit you if

  • You like dealing with a named agent who works in your language.
  • Your use is specific and you want a product built for it, including tourist rental.
  • You want to build cover up from a base and only pay for what you choose.

Check carefully if

  • You assume the basics are included: water, theft, liability and legal cover can be optional on the newest product.
  • You want the binding policy in English: the help is in English, but no English wording was found.
  • You are comparing on price alone: a cheap Generali quote may be missing core protections.

Choose your route

You can set Generali up through Settlewell, or go to Generali directly. Either way, check that water, liability, theft and legal cover are actually selected on the quote.

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

Let Settlewell set up Generali for you

We pick the right plan with you, handle the setup and the back-and-forth with Generali, 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 Generali 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 Generali builds the cover

Generali serves expats through English-speaking agents, and its newest home product is modular, so the important protections can be things you add rather than defaults. Check the quote, and remember the contract is Spanish.

Modular by design

On the newest product, water damage, theft, liability and legal cover can all be optional rather than included as standard. A low quote may simply be a narrow one.

Agents in your language

Generali fields English-speaking agents for expats, so you deal with a named person who works in your language. The binding policy itself is Spanish.

Confirm what is included

Ask the agent to confirm in writing exactly which protections are on your quote before you rely on them.

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

Allianz

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

Generali home insurance: common questions

Still have questions?

Want Generali set up?

Tell us about the home and how you use it. We make sure the core protections are actually included and handle the setup.

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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. Generali is an independent insurer and Settlewell is not connected to it.

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