If you have recently bought or are about to buy a property in Spain, either as let; a holiday home or as a permanent residence, then you may have found that getting adequate home insurance is overly difficult.

Buying a Spanish home insurance policy is fraught with difficulties, such as understanding the policy document and the level of cover required.

And if you buy a policy in the UK specifically for the purpose of insuring your Spanish holiday home, you could find it extremely expensive, as well as lacking in the protection required.

Certainly, an insurance agent who does not specialise in or fully understand the level of cover you need could provide you with an unsuitable policy.

The solution is to go to a specialist UK provider of Expat and Holiday Home insurance. These companies can provide tailor made solutions at a reasonable price.

The benefits include:

A policy written in the English language

Should you need to make a claim, you can deal with someone in the UK rather than having the difficulty of speaking in a foreign language, however fluent you are

Inexpensive, fully comprehensive cover

When choosing your overseas home insurance which can cover buildings and contents together or on their own do remember to check that you have adequate protection. For example, what cover is there in place for legal liability for domestic employees? And what restrictions are there in place with regard to letting and occupancy etc?