Can I insure my beach house in Spain against flooding or waves?

Can i insure my beach house in Spain against flooding or waves house on the coast insurance

You can imagine waking up in your beach house in Spain, and hearing the waves crashing against the shore. In this beautiful home you could step out onto the balcony, and breathe in the salty air. This may be your dream of a lifetime: to own a holiday home by the beach, where you can relax and enjoy the sound of the waves.

But a beach house is a house by the coast, and your  investment has to be protected from the risk of flooding. Before you decide putting an offer on that beautiful villa, consider to check first with an insurance broker if it’s possible to insure it against flooding and sea waves.


Is it possible to insure a house by the coast against sea waves damages?


The answer is not easy, because not all insurance companies are able to insure a beach house against these natural disasters. In fact, many insurance companies in Spain exclude coverage for flooding and sea wave damage. It’s important to contact your insurance broker, to make an analysis of the risk and to see if there are special policies that offer any of theses special covers.

In the market there are a very few specialised insurance companies that offer special home insurance for beach villas or houses by the coast.  Expect that these policies will come with high deductibles and may not cover the full value of your home. As a result, it is important to carefully consider your needs and budget before choosing an insurance policy for your beach house. Also, every case should be analysed individually and through your broker, like us here at C1 Broker, is possible to request a visit of an adjuster to analyse the risk and study if the property can be insured or not against damage by waves and flooding.

But even if you can’t find an insurer that covers your Beach House against damage by waves and flooding, remember that those policies will still cover your house for other natural phenomena (heavy rain, storms, strong winds) or disasters like fires, broken pipes, robbery, etc… It is always a good idea to protect your house and your assets from other risks. Having insurance gives you peace of mind knowing that your property is protected from the unexpected.

At C1 Broker, we’re dedicated to helping you find the right home insurance policy for your needs. Every year we study and compare hundreds of policies in Spain and abroad to be able to give you the best possible advice. And because we know that every home is unique, we offer special solutions for expats and foreign residents in Spain. So whether you’re looking for comprehensive coverage or a simple home insurance policy, we can help you find the right solution for your peace of mind.


But what about tsunamis? Can I get insurance against tsunamis in Spain?

A Tsunami is normally caused by a previous seismic event. This type of extraordinary natural phenomenon is insured in Spain through the Consorcio de Compensacion de Seguros. When you hire your policy with a spanish insurer, you are automatically covering your property with the Consorcio de Compensacion de Seguros. The Spanish Consortium is re-insurance entity.

In case of a tsunami in the coast of Spain  affecting a large area, the Spanish Consortium would declare the zone as a “catastrophic area” and would pay out settlements in name of your insurance. We, at C1 Broker, have worked in the past on several occasions with the Spanish Consorcio to handle claims of our trusted clients (Tormenta Delta in 2006, Gota Fria in 2019, etc). Recently, in 2021 and 2022, more than 450 claims have been successly handled because of the volcano in La Palma.


By filling out this simple form, you can get a home insurance quotation for your beach house in Spain.  Once you submit the form, you will be contacted by an insurance agent who can help you find the perfect policy for your needs. So don’t wait any longer, get started today!


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