Personal · Independent · English-speaking since 1998
Private
House Insurance
in Mallorca
Cover for buildings, contents & liability – advice in English, support in your language when things go wrong.
- Advice in English – no Spanish needed
- Buildings + contents + liability in one policy
- Claims handled in English – we take care of all correspondence
- Personal service, based locally in Llucmajor
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Our Full Range of Cover in Mallorca
All your insurance needs – handled in one place
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Fill in the form in English – it takes about five minutes. The more we know, the better we can match you to the right cover.
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Your personalised quote
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Maximilian Binder & Vanessa Hofrichter
Expat insurance specialists based in Mallorca
“We help English-speaking residents navigate the Spanish insurance system – personally, independently, and in your language. Whether you’re just arriving or have lived here for years, you’ll always have a dedicated local contact from day one.”
- Tel: +34 871 221 049
- Mobile: +34 639 936 074
- Email: [email protected]
- Office: Ronda de Migjorn, 2, 07620 Llucmajor, Mallorca, Illes Balears
- Languages: English, German and Spanish
What Clients in Mallorca Say
“After three years without proper insurance, I finally feel secure. Vanessa explained everything in German – and within two weeks the policy was in place.”
Markus K.
Palma · Client since 2025
“This office was recommended to me, and I was genuinely positively surprised and very satisfied with the service. The team is very friendly, highly knowledgeable about insurance, and answered all my questions in an extremely professional manner. Thank you very much!”
Laura Ziegler
Llucmajor · Client since 2024
“I am completely satisfied with the service from C1 Broker. Communication is reliable, responses are fast, and all matters are handled quickly and professionally. A very competent team – absolutely recommended!”
Jonas Bogner
Llucmajor · Client since 2026
What Does Home Insurance Cost in Mallorca?
The cost of home insurance (Seguro de Hogar) in Mallorca mainly depends on the type of property, whether it is an apartment, house, finca or villa, as well as its size and construction. It also depends on the insured value of the building and contents, and whether features such as a swimming pool, a large garden or high-value items are included in the cover.
For a typical owner-occupied apartment, premiums generally range from around €12 to €20 per month. Detached houses, fincas and villas with a pool and garden are usually more expensive to insure, as both the property’s value and the level of risk are higher.
The examples below provide realistic price ranges for guidance only and do not constitute binding quotations. Your exact premium is calculated based on your individual property details and by comparing offers from several leading insurers.
Owner-occupied apartment in Palma, approx. 90 m²
Building, Contents & Personal Liability Insurance · from approx. €14/month
Finca in the south-west, approx. 220 m² with swimming pool
Building, Contents, Swimming Pool & Garden Cover · from approx. €55/month
Typical Risks for Properties in Mallorca
Owning a property in Mallorca comes with specific risks that should be covered by a comprehensive home insurance policy. When comparing insurers, we make sure your cover is tailored to the particular risks of living on the island.
Heavy Rain & Storms: During autumn, intense rainfall (known as Gota Fría) and strong winds regularly cause damage to roofs, windows, façades and outdoor structures.
Water Damage: Burst pipes, leaking installations and water ingress are among the most common insurance claims, particularly in apartment buildings and residential communities.
Burglary & Theft: Holiday homes and properties left unoccupied for extended periods are at a higher risk of burglary, making adequate contents and theft cover especially important.
Swimming Pools & Gardens: Pools, irrigation systems, outdoor equipment, landscaped gardens and related liability risks should be specifically included in your insurance policy.
What Your Home Insurance in Mallorca Covers
A comprehensive home insurance policy combines building insurance, contents insurance and personal liability protection, while also taking into account Spain’s unique Consorcio de Compensación de Seguros, which covers certain extraordinary risks. Depending on the insurer and policy selected, your cover may include:
Building Insurance
Damage to the Building
- Protection for the structure, roof and permanently fitted fixtures
- Cover for storms, hail, fire and escape of water
- Repair and rebuilding costs
Contents Insurance
Furniture, Belongings & Valuables
- Furniture, electronics and personal possessions
- Jewellery and valuables up to the insured limit
- Theft and burglary cover
Personal Liability
Personal & Property Owners' Liability
- Damage or injury caused to third parties
- Water leaks affecting neighbouring properties
- Personal injury and property damage occurring on your premises
Natural Disasters
Extraordinary Risks (Consorcio)
- Flooding, severe storms, earthquakes and volcanic eruptions
- Protection through the Spanish Consorcio de Compensación de Seguros
- Automatically included with eligible Spanish home insurance policies
Glass Cover
Accidental Glass Breakage
- Windows, doors and fixed glazing
- Glass ceramic hobs, mirrors and glass surfaces
- Accidental breakage and cracking
Emergency Assistance
24/7 Home Emergency Service
- Immediate assistance for burst pipes and water leaks
- Access to trusted local tradespeople
- Emergency support available 24 hours a day
Frequently Asked Questions
Will my UK/EU home insurance policy cover my property in Spain?
In most cases, no. UK home insurance policies are designed to cover properties located in the United Kingdom and do not provide ongoing cover for a home in Spain. If you own a property in Mallorca, you will need a Spanish home insurance policy (Seguro de Hogar) that complies with local regulations and ensures claims are handled locally. We can review your existing insurance and help you find the most suitable cover.
Who is responsible for water damage in an apartment community?
Responsibility depends on where the damage originated. If the leak comes from a communal pipe or shared part of the building, the community insurance policy is usually responsible. If it originates inside your apartment, your own home insurance will normally cover the damage. In some situations, both insurers may be involved. We help coordinate the entire claims process on your behalf.
Are floods, storms and other natural disasters covered in Spain?
Yes, certain extraordinary natural events may be covered by Spain’s Consorcio de Compensación de Seguros, a government-backed compensation scheme. This includes events such as severe flooding, earthquakes, volcanic eruptions and exceptional storms, provided your home has a valid Spanish insurance policy and the required surcharge has been paid. Your insurer will advise you on how the claims process works.
Do I need home insurance if I rent my property?
If you rent out your property, standard home insurance may not provide sufficient cover. Holiday lets and long-term rentals often require additional protection for landlords, public liability and loss of rental income. We can recommend a policy that matches how you use your property.
Can I receive claims assistance in English?
Yes. Our experienced multilingual team provides full claims support in English, as well as German, Spanish, Portuguese, French, Polish, Swedish, Norwegian and Russian. We liaise directly with the insurer, explain every step of the process and help ensure your claim is settled as quickly and smoothly as possible.
Is my holiday home covered when it is unoccupied?
Not always. Many standard policies limit cover if a property is left unoccupied for more than a specified period, typically between 30 and 60 consecutive days. If you own a holiday home in Mallorca, we can arrange specialist cover that protects your property even when you are away, including optional protection against burglary, water damage and malicious damage.
C1 Broker Mallorca - Visit us in Llucmajor
We Cover the Whole Mallorca Island
Our team serves expats across all areas of Mallorca:
Palma & Surroundings
Palma de Mallorca, Santa Catalina, Portixol, Cala Major, El Terreno, Son Armadams, Son Vida, Bendinat, Illetas, Marratxí, Playa de Palma, Can Pastilla
South-west (Calvià & Andratx)
Santa Ponsa, Palma Nova, Magaluf, Portals Nous, Puerto Portals, Costa d’en Blanes, Paguera, Camp de Mar, Andratx, Port Andratx
South-east
Llucmajor, Campos, Sa Ràpita, Ses Salines, Santanyí, Cala d’Or
North
Alcúdia, Puerto de Alcúdia, Pollensa, Puerto Pollensa
Tramuntana
Sóller, Port de Sóller, Deià, Valldemossa
Centre & East
Inca, Manacor, Porto Cristo, Cala Millor, Sa Coma
Insured and at ease in Mallorca
Free advice in English · Response within 24 hours