A leading brokerage in Spain at your service
Rooted in Spain is an exclusive insurance programme offered by ERSM Insurance Brokers —ERSM is one of the top 10 private insurance brokers in Spain— to all expats and foreign residents in Spain. Designed to make your life in the country easier, this programme offers a wide range of insurance policies together with a comprehensive service that includes personalised advice and policy purchase, as well as after-sales management. Our goal is to provide friendly, clear and effective service tailored to your specific needs.
Clients
Years of experience
Professionals
We offer insurance from leading insurance companies
Health Insurance
We offer health insurance policies with a minimum validity of one year, issued by authorised insurers in Spain. We work with the leading health insurance companies in the country to offer tailor-made policies designed specifically for foreign clients, guaranteeing the best possible coverage according to each person's needs and circumstances.
Some foreign nationals are allowed to enter and reside in Spain without a visa, particularly those from countries with visa waiver agreements. However, if the intended stay exceeds 90 days, they are required to register with the relevant Spanish authorities and obtain a NIE (Número de Identificación de Extranjero) — a mandatory identification number for foreigners in Spain, essential for legal, financial, and administrative processes.
In addition to legal documentation, having adequate health coverage is highly advisable. While a European Health Insurance Card (EHIC) may offer basic coverage for EU citizens, it is often limited in scope. Therefore, comprehensive private health insurance is strongly recommended for both EU and non-EU residents. This ensures better medical coverage, eliminates language barriers, and facilitates faster and more efficient access to healthcare services within the Spanish system.
Home Insurance
We help you find the ideal home insurance for foreigners in Spain, searching and comparing the best options on the market. We advise you on the most suitable cover with the best conditions. We also manage any claims that may arise, ensuring fast and efficient service at all times.
The home insurance we offer is characterised by its flexibility, allowing you to adjust the cover and insured amounts according to your personal needs, the type of property or the value of your belongings. It also offers the option of including high-value items, both personal and professional, which is essential for those who move their life and work abroad. It also covers rental properties, making it a strategic tool for those investing in the Spanish property market.
Competitive premiums, combined with customisable cover, allow you to obtain tailored protection without paying for unnecessary cover in your home insurance. All this is complemented by distinctive services, such as home assistance and multilingual support, designed with the specific needs of new residents in mind. In short, it is an ideal option for those seeking to combine security, flexibility and reliable support while settling in Spain.
Car Insurance
We are the leading brokerage in the automotive sector in Spain, which allows us to have good agreements with the best insurance companies and offer the car insurance that best suits the needs of each customer, with the most comprehensive coverage and exclusive conditions on the market.
The car insurance we offer is a comprehensive, modern and flexible solution, specially designed for non-Spanish residents in Spain. It stands out for its focus on providing personalised protection, tailored to the specific needs of expatriates and the demands of new mobility, including electric vehicles.
This insurance combines peace of mind and flexibility thanks to differentiated coverage, a high level of service and advantageous assessment in the event of a claim. Its most notable guarantees include protection of personal belongings, coverage for occasional drivers and the inclusion of legal bonds, making it a robust and comprehensive option.
Travel Insurance
For foreigners residing in Spain for a short period, travel insurance is the ideal option for coverage in case of accident, illness or the need for repatriation. At Rooted in Spain, we offer personalised advice and support throughout the process, providing peace of mind and support to foreign policyholders.
Although many citizens from EU countries can access certain health services in Spain through bilateral agreements or the European Health Insurance Card, these benefits are usually limited to basic coverage and emergencies.
Travel assistance insurance tailored to your specific needs offers protection against unforeseen events such as illness, accidents, repatriation, lost luggage or cancellations, as well as providing access to quality medical care with assistance in your language. This not only provides peace of mind, but also greater autonomy and well-being during your life abroad.
Other insurance policies that may interest you
Life Insurance
The life insurance offers complete protection that includes death as the main guarantee, with advances of the insured capital and Inheritance and Gift Tax (ISD) to facilitate the procedures for the beneficiaries. It also incorporates complementary coverage such as permanent disability (in various modalities), death or disability due to accident (including traffic accidents), serious or terminal illness, severe dependence or great dependence, among others.
Golf Insurance
Combined Accident and Civil Liability Insurance aimed at foreign players with temporary licenses issued by the National Federation and Territorial Federations or by the Clubs or golf courses that belong to the aforementioned Federation. It includes coverage for death by accident, permanent disability, health expenses and Civil Liability. This insurance ensures that foreign players are protected while enjoying their golfing experience in Spain.
Electric Scooter Insurance
The new mobility regulations require all owners of electric scooters and electric bicycles that are considered Light Personal Vehicles (VPL) to have compulsory third-party liability insurance. We offer insurance designed to provide comprehensive protection and peace of mind when travelling around the country, with cover including civil liability, own damage, theft, legal defence and travel assistance. Travel with confidence in public spaces.
Pet Insurance
Pet insurance offers basic Civil Liability cover, which protects against damage that your dog or cat may cause to third parties, including legal defence costs and bail bonds. In addition, you can extend the protection with the Pets Pack, an optional cover that includes veterinary expenses due to accident, theft or loss, as well as other services such as 24h veterinary care, day care or disposal of the body due to illness, thus covering all the needs of your pet.
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