Water damage coverage

Water damage

Get a quote
logo hero media

You spend a great deal of time, effort and money in making your house your home. Our job is to make sure your home and its contents are suitably covered.

100% guaranteed

Our Home Insurance covers your property 100% against water damage. This means that whatever the value of your loss, we will guarantee the insured contents up to 100% of their base capital.

Water damage coverage


Our Home Insurance policy covers accidental and unforeseen spillage as a consequence of taps and valves malfunctioning, or a failure to turn off the water taps securely. Overflow leaks from fixed water tanks located inside the building, damages caused by blocked wastewater downpipes, and leaks from neighbour’s properties.

An uncontrollable leak

If one of your pipes has burst, particularly at night or at the weekend, it can be a very stressful situation. Trying to control the leak, trying to track down an emergency plumber and trying to limit the damage being caused by the spill. The damage and repairs can run into thousands. Even small leaks from faulty washing machines or dishwashers can quickly cause expensive damage, especially as people go on their summer breaks.

Flooding and mudslides

Any material damage suffered as a result of flooding or an accidental diversion on the ordinary course of water flow in channels, ditches, or sewage flows.

Tips if you have a leak

If you discover a leak, turn off the stopcock to stop the flow of water and then turn off your main electricity supply. Try and contain the water as much as possible placing buckets under leaks and turning on taps elsewhere in the house to reduce the pressure of escaping water. We advise taking photos of any resulting damage and keep all damaged possessions as evidence in the event of a claim.

Share this article
More tips for expats

In this section, you will find important information to help you on a daily basis and with your insurance

What is the International Motor Insurance Card?
Tips for expatriates
International Insurance Card

GPS Geolocator is a brand new service exclusive to Línea Directa that allows breakdown recovery and roadside assistance services to pinpoint your location immediately, wherever you are on mainland Spain or the Canary Islands.

Know more
Technical equipment coverage
Tips for expatriates
Technical equipment

A good quality helmet and proper protective clothing are essential items for all motorbike riders. But technical equipment; helmet, jacket and gloves, can cost a lot of money. And if your motorcycle clothing gets damaged, in the event of an accident, they will need to be replaced before your next ride.

Know more
Spanish points-based licence system
Tips for expatriates
Spanish points-based licence system

The Spanish points system gives 8 points to drivers who have held a licence for less than 3 years and 12 points for drivers who have held it for over 3 years. If no traffic offences are committed after 3 years drivers receive an additional 3 points.

Know more