Home and property insurance for foreigners

If you buy or rent a home in Colombia, home insurance protects against theft, fire, water damage and other risks. Coverage varies, so it is worth reading the terms.

What can be insured

Contents (furniture, equipment) and, if you are an owner, the structure. Tenants usually insure only their contents.

Usual coverage

Fire, theft, water damage, third-party liability and, in some policies, home assistance.

Exclusions

Review what is not covered, such as wear, prior faults or certain natural disasters.

Condominiums

Complexes and buildings usually have common-area insurance. Verify what it covers and what remains your responsibility.

Get a quote

CoVisas Colombia and Medellín Advisors can guide you based on your type of home.

Frequently asked questions

Is it mandatory?

Condominiums may have common insurance; individual cover is usually voluntary.

Does it cover valuables?

Check the limits and declare high-value items.

What do I do after a claim event?

Document with photos and notify the insurer within the stated period.

If you are evaluating housing or investment, Medellín Advisors can guide you on search, title review and the purchase or rental process. Always hire independent legal review.

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• Medellín vs Bogotá for expats: how to choose
• Schools for foreign families in Colombia

General information based on current rules and practice; it may change. Confirm your case with the official source or an authorized professional. Not legal, tax or medical advice.