Insuring our cave house

Insuring our cave house

So, being the sensible adults we are, it was time to think about insuring our cave house.  The question was who to use and who would even provide cover ?

I mean it’s not like there’s a lot of companies out there advertising that they will insure your cave house !

We simply went with a recommendation and used Sean who is an agent for Santa Lucia Seguros SA.

The coverage seemed to be pretty comprehensive and the premium appeared reasonable. The policy cost was 203 Euros. This  gave us 50,000 Euros of buildings cover and 20,000 Euros of contents cover.

Insuring our cave house – an outline of our policy cover:

Cover Breakdown and Insured Sums (in Euros)
Building                                                                                           50.000,00

Aesthetic damage to the building                                                1,000,00

Contents                                                                                         20.000,00

Accidents suffered by domestic                                                   Not contracted

Water damage                                                                               100 %

Electrical damage                                                                         1.000,00

Glass                                                                                                 100 %

Public liability                                                                                150.000,00

Limit per victim                                                                                150.000,00

Theft and pillage                                                                            100 %

Damage suffered as a result of theft or attempted theft         3.000,00

Jewellery                                                                                            760,00

Objects with a special value and collections                               760,00

Cash stolen from a safe                                                                  Not contracted

Cash stolen from a place other than a safe                                150,00

Armed robbery or pillage away from home                                Not contracted

Legal defense                                                                                  6.000,00

Rent protection                                                                              Not contracted

General deductible                                                                        With Out franchise


I am sure that many of you residing in Andalucia will have had more of an opportunity to shop around when looking to insure your cave house. Alternatively, some will have made choices based on insurance stories (both good and bad) that have been relayed by locals and fellow expats alike.

All suggestions and insurance related stories would be most welcome both by us and I am sure by anyone else who may be reading this entry.

So … Who are one foot in the cave ?

We (Danny and Josie) have spent the last 10 years living and working in the Caribbean. In 2015 we decided we wanted to move closer to family and friends so bought a cave house in the Granada region of Andalucia, Spain. We moved there full time in January 2017. Now we write about our experiences of cave living and how we are adapting to life in Spain.
We also have a Facebook page full of pictures, experiences and information that we have found useful along the way. If its your thing, you can also follow us on Instagram 🙂

5 words related to this blog entry …

Policy (insurance) – La Póliza

Building – El Edificio

Damage – El Daño

To Steal – Robar

Thief – El Ladrón


2 thoughts on “Insuring our cave house

  1. Ken

    Did you check with Santalucia that they cover the rebuild cost of a CAVE? If they said yes, is the word CAVE included in the police document?
    I ask this because I worked for an Estate Ahent in Baza for 4 years and we has an agency with Santa Lucia and they would not pay out on caves. Thankfully I changed to a UK company that did because subsequently we had a massive claim that was settled.
    Maybe they have changed their policy.

    1. Danny Post author

      I will check it out … would be very interested to know which company you used for cave insurance as I was planning on shopping around soon.


Leave a Reply

Your email address will not be published. Required fields are marked *