Staying warm in Spain: heating options and energy-saving tips for your home

If you’ve recently moved to Spain, you might have realised that winter here can be colder than expected, especially indoors. The sun may still shine most days, but once it sets, that Mediterranean chill can creep in quickly. Many Spanish homes, particularly those by the coast or on the islands, are designed for long, hot summers, not for cold or damp winters. Thin walls, tiled floors and minimal insulation can make a house feel cooler inside than it is outdoors.

For expats used to well-insulated homes, double-glazed windows and central heating in northern Europe, this can come as a bit of a shock. It’s one of those moments when you finally understand what people mean by “it’s not the same kind of cold.” Spain’s winter is milder, but when the temperature drops and humidity sets in, it can feel surprisingly penetrating, especially if your home isn’t prepared for it.

That’s why learning how to stay warm without spending a fortune on heating is all part of adapting to life in Spain.

Why Spanish homes feel colder than they are

In much of Spain, homes were traditionally built to keep cool in summer, with thick stone or brick walls, north-facing windows, and tiled floors that stay refreshingly cold underfoot. Perfect for July, not so perfect for January.

Modern homes are improving, but insulation standards still vary widely depending on where you live and how old the property is. Coastal areas like Andalusia, the Balearic Islands or the Costa Blanca often experience mild winters but also higher humidity, which makes cold air cling. In contrast, inland areas such as Madrid or Castilla y León can see much lower temperatures, but newer homes there tend to have better heating systems.

Understanding these differences can help you choose the best way to keep your home comfortable during the colder months.

Understanding heating in Spanish homes

Central heating systems are relatively uncommon in Spain, except in large cities or newer apartment buildings. Instead, most homes rely on reversible air-conditioning units, the same system that cools your home in summer can produce warm air in winter. They are convenient and efficient, but only if they are well maintained.

Other heating options you’ll often find include:

• Electric or oil-filled radiators, ideal for smaller spaces but expensive to run for long periods.
• Portable fan heaters or convector heaters, perfect for quick warmth in bathrooms or bedrooms, although they consume a lot of electricity.
• Gas heaters, still common in older homes, offering strong heat but requiring proper ventilation and regular safety checks.
• Pellet or wood-burning stoves, a favourite in rural or mountain areas for their cosy feel and lower running costs.
• Underfloor heating, increasingly popular in new or renovated homes, providing steady, even warmth throughout the day.

Each system has its pros and cons, so it’s worth thinking about how much time you spend in Spain during the colder months and how you use your home, whether it’s a main residence, a holiday retreat or a rental property.

If you’re renting a property in Spain, it’s worth checking what type of heating system it has and who’s responsible for maintenance before the colder months arrive.

Energy-saving habits that make a real difference

Even in a mild winter, small changes can make your home feel warmer and more welcoming without driving up your energy bills.

• Make the most of natural light. Open blinds and curtains during the day to let the sun’s warmth in and close them as soon as it gets dark to keep it trapped inside.
• Stop the draughts. Add weather-strips to windows, use draft excluders under doors, and check gaps where the cold might sneak in.
• Use timers and thermostats smartly. Program your heating to come on before you wake up or return home, instead of leaving it on all day.
• Maintain your systems. Clean filters, service your air conditioning and check gas heaters before winter starts, as efficiency pays off.
• Add layers, to yourself and your home. Rugs, throws, curtains and slippers can make a surprisingly big difference on those chilly evenings.
• Switch off what you are not using. TVs, chargers and devices on standby still draw power, so unplugging them can help reduce your bills.

A little preparation and awareness can go a long way towards making winter in Spain much more comfortable and affordable.

Maintenance and protection for peace of mind

Keeping your heating and electrical systems in good condition is not only about comfort but also about safety and long-term savings. Regular checks help avoid breakdowns or faults that could lead to costly repairs later on.

With Generali Expatriates’ home insurance, you can benefit from services such as radiator bleeding and the repair of minor leaks (as long as the radiators are not physically damaged or require replacement), helping your heating system work efficiently and keeping your home warm and comfortable throughout the colder months.

It’s a small effort that makes a big difference to both your home’s comfort and your energy bills.

Comprehensive cover for every kind of home

Whether your Spanish property is your main home, a holiday hideaway or somewhere you rent out, Generali Expatriates’ home insurance offers flexible protection designed around your needs and lifestyle.

From emergency repairs and professional assistance to Legal Defence cover in case of illegal occupation, you’ll enjoy extra peace of mind knowing your property is protected all year round.

And because life as an expat often means travelling between countries or spending time abroad, Generali Expatriates helps you stay worry-free even when you are away.

Read more about protecting your property in our guide to squatting in Spain.

Find out more about our home insurance options, locate your nearest broker or agent, or request a quote today and we’ll get back to you shortly.