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Guide for expats

Mapfre home insurance in Spain

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

Mapfre has the highest independent satisfaction score of the six insurers we compared, but English is the weak spot. Read what it does well, the entry-plan catch, and how Settlewell bridges the language.

Set up Mapfre with SettlewellVisit Mapfre
A Mapfre branch in a Spanish town

Is Mapfre a good choice?

Mapfre has the highest independent satisfaction score of the six insurers we compared, on the OCU 2025 survey. That survey measures member satisfaction rather than claim quality, and its sample sizes vary a lot between insurers, so read it as one signal, not a verdict. Its range runs from a modular entry plan to a premium one. English is the weak spot: the site and the policy are in Spanish, help is agent- or branch-dependent, and there is no policy in English. The other catch is that its entry Tú Eliges plan can be set up without water damage or liability, so the plan name alone tells you little.

Mapfre can suit you if

  • You want an insurer with a branch you can visit locally.
  • Independent customer satisfaction matters to you: Mapfre scores highest of the six.
  • You are happy for Settlewell to bridge the language and handle the setup.

Check carefully if

  • You want English service or an English policy: Mapfre is the weakest of the six for both.
  • You are quoted the entry Tú Eliges plan: it can be set up without water damage or liability, so check what is included.
  • You want to run tourist lets: ordinary Mapfre home cover is not presented for that.

Choose your route

You can set Mapfre up through Settlewell, or go to Mapfre directly. Either way, check that water damage and liability are included, and get the Spanish policy documents.

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

Let Settlewell set up Mapfre for you

We pick the right plan with you, handle the setup and the back-and-forth with Mapfre, 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 Mapfre 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 the Mapfre cover is set up

Mapfre runs a broad range from a modular entry plan to a premium one, and English is the weak spot, so Settlewell bridges the language and checks the plan includes what you need.

A modular entry plan

The entry Tú Eliges plan can be set up without water damage or liability, so a Mapfre-branded policy does not automatically include them. Check what is on the schedule.

English is limited

The main site and the policy are in Spanish, and there is no central English claims line, though a local branch may help in person. We bridge the language for you.

Older public wording

The public wording currently linked is dated 2020, so we do not publish its exact limits. Ask for the current conditions before you buy.

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

Generali

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

Mapfre home insurance: common questions

Still have questions?

Want Mapfre set up?

Tell us about the home and how you use it. We make sure water and liability are included, bridge the language and handle the setup.

Set up Mapfre 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. The public Mapfre wording currently linked is dated 2020, so we do not publish its exact monetary limits. Mapfre is an independent insurer and Settlewell is not connected to it.

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