Hi Angela,
I have never heard of MAPFRE but as long as you check the policy wording etc, I wouldn't expect there to be a problem. The public liability cover is more important if you are planning to rent out. Although the Zurich quote refers to 300,000 euros for public liability cover, when you actually get the policy document this is limited to 150,000
per victim. You would have to be damned unlucky to have two victims claiming against you to reach your 300,000 euro indemnity limit.!! I am sure this was not referred to in the original quote and you only get to find out about it when you receive the actual policy document.
I am therefore looking into getting some top-up cover for public liability, or a completely separate policy, as 150,000 euros is not really sufficient if you are renting out.
For this reason, I wouldn't let the difference in the level of PL cover affect your decision. I suppose the advantage of Zurich is that it is a reputable "blue chip" underwriter but that said, their premium is higher.
Probably not much help, but something to think about.
Debbie