A Spanish broker service review should look beyond the headline premium. For a British homeowner, the real test is whether the broker understands how your Spanish property is

A painting bought years ago in London, a small collection of Spanish ceramics, inherited silver or a sculpture collected from a local gallery can easily fall outside the

A Spanish villa can look perfectly secure while carrying a serious insurance gap. Perhaps it stands empty for much of the year, has a pool and separate guest

A Spanish villa can be worth less on the open market than it would cost to rebuild after a serious fire. Equally, a modest-looking holiday home may contain

A luxury villa in Spain is rarely insured correctly by simply choosing a larger buildings sum insured. A proper guide to insuring luxury villas starts with how the

A low premium can look reassuring until you discover that the policy assumes someone lives in the property all year, excludes your occasional rentals, or sets a contents

A beautiful villa bought years ago for a sensible price can now cost far more to rebuild than many owners expect. Rising rebuild costs in Spain are not

A diamond ring worn every day, a watch brought over from the UK, or jewellery kept at a Spanish holiday home can be worth far more than the

A burst pipe can do far more than damage walls and flooring. If it ruins sofas, televisions, clothing, kitchen equipment and personal belongings while you are back in

A €150 bill for a leaking pipe can be frustrating enough. Finding out that your policy has a €300 excess can be more frustrating still. Spanish home insurance