The home insurance (seguro del hogar) protects your property, the home itself and the things you keep in the house against disasters such as fire, flooding…
The price of the policy depends on the value of the house, the things you keep in it and the risks you wish to cover, from the basic home insurance up to the “all risk”.
While a property is rented it may only be insured by the landlord. The tenant may insure its content (furniture, clothes, jewellery) There is no law requiring a home owner to have insurance, however, if you take a Spanish mortgage, the bank will normally require you to contract a home insurance to protect its interest until the loan is repaid.
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