Even if you live or own an apartment or house that forms part of a community it is wise, almost a necessity, that you obtain your own Home Insurance in Spain.
For example on our complex in Marbella one of my nieghbours flooded the other by accident. Unfortunately the nieghbour who caused the flood was not insured and the community insurance didnt cover her because it hadnt been caused and didnt affect the community directly.
You will find that most of the household insurance polices in Spain are similar to those from the UK with basic things like freezer contents, valuables out of the house being protected are all the norm here as well.
Ocaso are a very large Spanish Insurance company who we insured our apartment through. I cant tell you how good they really are because we have never had to make a claim!
You will find that nearly all Spanish House Insurance companies will also provide Spanish Holiday home insurance but you may have to pay a little extra premium, especially if you are hoping to rent the property out.
The most important things to check on your Spanish house insurance policy are is the level of excess and if you have the policy for a number of years it is wise to check that all the items listed are indexed linked so that any increase in replacement costs or rebuilding costs has been taken into consideration.
If you need to have you Buildings or Contents Insurance in Spain translated into English so that you can understand the fine points and details then there is a new company, Lingo Link, who offer a comprehensive translation service for any type of work for very reasonable costs.
Spanish Home Insurance Linea Directa Private Medical Insurance Sanitas Mapfre Spanish Travel Insurance Spanish Life Insurance
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