Skip to main content
Guide for expats

Línea Directa home insurance in Spain

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

Línea Directa sells home insurance in English, writes the policy in English and runs an English claims line. Read what it covers, what to check before you buy, and how to compare it with the other insurers in English, for free.

Compare insurers in EnglishVisit Línea Directa
A Línea Directa office in Spain

Is Línea Directa a good choice?

Línea Directa is a direct, value-led insurer, and its home policy is one of the few you can read in full in English before you buy, backed by a 24-hour English claims line. If reading the policy in your own language matters most, it is a strong choice. Two things to check: common cover like external pipes and simple theft sits only in the top tier, and there are strict rules once the home is left empty for 96 hours.

Línea Directa can suit you if

  • Reading the policy in English is your priority.
  • You want a direct, value-led insurer rather than an adviser-led one.
  • You are happy to buy and manage the policy online or by phone.

Check carefully if

  • You want broad cover at the lowest price: external pipes and simple theft only come in the top tier.
  • You leave the home empty often: water precautions apply after 96 hours.
  • You let to tourists: the current public documents do not clearly confirm short-term or holiday letting, so get it in writing.

Choose your route

Read the policy in English, then choose how to buy. You can go to Línea Directa directly, or let Settlewell compare the insurers and set you up with home insurance in English, for free.

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

Compare it, and get set up in English, for free

Not sure Línea Directa is the right fit? Settlewell compares the home insurers on the policy language, the use and the catch, then sets you up with the right one and handles the back-and-forth with the insurer. We can help with the rest of your move too: internet, electricity, water and alarms.

  • We compare the insurers on the policy language, the use and the catch.
  • We match the plan and cover to your home and how you use it.
  • Settlewell is free to use, and we deal with the insurer for you.
Compare insurers in English
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 the Línea Directa cover is set up

Línea Directa publishes its home conditions in English, and the entry tier is narrower than the name suggests, so useful cover sits higher up. Read the English conditions before you buy.

Wider cover sits higher up

Cover for external pipes and simple theft sits only in the top tier, so if you want those, check you are not on the entry one.

Rules when the home is empty

There are strict water precautions once the home is left empty for 96 hours, which matters for a second home. Read them before a second-home policy.

The policy is in English

Línea Directa publishes its full home General Conditions, the binding policy document, in English, so you can read exactly what is covered before you commit.

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.

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

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

Línea Directa home insurance: common questions

Still have questions?

Compare home insurers in English

See how Línea Directa and five other insurers compare on the policy language, the use and the catch, then get set up with the right one, for free.

Compare insurers in English

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. Línea Directa is an independent insurer and Settlewell is not connected to it.

Report incorrect information