From health and home insurance to financial planning and investments, our partners provide personalized solutions to ensure you have peace of mind as you settle into your new life. Whether you're managing assets in both the U.S. and Spain or planning for your financial future abroad, we'll guide you through the complexities with expert advice and support.
With over 20 years of experience helping expats navigate the Spanish system, our network of reliable partners offers the best coverage and financial services to meet your unique needs. We're here to make sure you're fully protected and well-prepared for every stage of your journey in Spain.
Moving to Spain is about more than just finding a home—it's about securing your financial future. At Landcross Partners, we offer personalized insurance and financial services through our trusted external partners, tailored specifically for U.S. citizens looking to live or work in Spain.
When U.S. residents move to Spain, they typically need several types of insurance to ensure they're covered in different areas of life. Here are some of the most relevant insurances:
Health Insurance
- Private Health Insurance: Although Spain has an excellent public healthcare system, U.S. residents oten choose private health insurance, especially if they are not yet eligible for public healthcare (e.g., non-EU citizens who do not contribute to the Spanish social security system). Private insurance gives them access to faster services, more specialized treatments, and hospitals.
- Expat Health Insurance: Specific policies tailored to expatriates cover healthcare costs both in Spain and in their home country. These oten come with added flexibility for international travel.
Home Insurance
- Building Insurance: If purchasing a property, building insurance is usually required, covering structural damage due to fire, flood, etc.
- Contents Insurance: Protects personal belongings, such as furniture, electronics, and valuables, against thet, damage, or loss.
- Landlord Insurance: U.S. residents renting out a property in Spain may want landlord insurance, which provides coverage for property damage or loss of rental income.
Auto Insurance
- Car Insurance (Seguro de coche): Third-party liability insurance is mandatory for anyone driving in Spain. Comprehensive coverage options can also protect against theft, accidents, or vandalism.
Life Insurance
- Life insurance policies may be taken to cover mortgages or as a general safety net for families, particularly if the person is the primary breadwinner.
Travel and repatriation Insurances
- U.S. residents frequently travel between Spain and the U.S. or other countries, so travel insurance can be important. It covers trip cancellations, lost luggage, or medical emergencies abroad.
Income Protection Insurance
- Autónomos/ Self-employed Insurance: For those planning to work as autónomos (freelancers) in Spain, income protection insurance safeguards them against illness or injury that prevents them from working.
Personal Liability Insurance
- Personal liability insurance covers individuals against claims for damages that occur accidentally to others, such as
property damage or injury.
Legal Insurance
- Offers legal assistance and coverage for legal fees in the event of a dispute, be it related to housing, work, or personal
matters.
These insurance products help U.S. residents transition smoothly when moving to Spain, ensuring they're protected in various aspects of their new life abroad.
