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Guide for expats

Zurich home insurance in Spain

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

Zurich runs an expat home proposition with the policy published in English. Read what it covers well, why the schedule matters, and how to set it up.

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A Zurich Seguros branch on a Spanish street

Is Zurich a good fit?

Zurich runs an expat home proposition with its policy published in English and a multilingual claims line. It covers main homes, second homes, landlords and seasonal whole-home lets, and it is set up for non-residents, including claims from your home country. The catch is that the cover is very schedule-dependent, so what you actually have comes down to the quote and the schedule, not the plan name.

Zurich can suit you if

  • You want the policy in English from an insurer set up for non-residents.
  • You are a non-resident, or you claim from outside Spain and want that handled.
  • You have a second home or a seasonal whole-home let and want the vacancy rules clear.

Check carefully if

  • You want frequent Airbnb-style letting: seasonal whole-home lets are covered, but frequent short-term letting is not confirmed.
  • You expect a fixed package: the cover depends on which options and schedule items you select, so read the schedule.
  • You want to compare Zurich with the others first. The comparison lays all six out side by side.

Choose your route

You can set Zurich up through Settlewell, or go to Zurich directly. Either way, make sure the protections you need are actually shown on the schedule before you buy.

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

Let Settlewell set up Zurich for you

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

Zurich builds the cover from a base plus options, and what you actually have is whatever your schedule lists, so read the schedule and the English conditions before you buy.

The schedule is what counts

A protection can appear in the general product document but not on your quote. Check the schedule lists everything you expect, because with Zurich the cover is very schedule-dependent.

Tier names vary

The tier names are not consistent across Zurich's own pages, so go by what the schedule and the conditions say, not the plan label.

Second and let homes

Zurich covers main and second homes, landlords and seasonal whole-home lets. Frequent Airbnb-style letting is not confirmed, so confirm your exact use in writing.

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

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

Zurich home insurance: common questions

Still have questions?

Want Zurich set up?

Tell us about the home and how you use it. We make sure the schedule carries the cover you need and handle the setup.

Set up Zurich 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. Zurich is an independent insurer and Settlewell is not connected to it.

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