In Spain, illegal occupancy is a constant problem for property owners. Evicting invaders is a difficult matter; in addition, they tend to cause damage to the houses they enter.

In the face of such a threat, okupas insurance has become an indispensable tool.

This policy protects the owner from the costs and consequences associated with illegal occupation of his home and simplifies the procedures necessary to return the property.

Depending on the insurance company, it may also cover situations involving acts of vandalism committed by “okupas”.

For owners who want to protect the property in advance, not only the topic becomes relevant property insurance in Spain, but also an understanding of how protection against okupas in Spain.

What does burglary insurance cover?

Idealista and ARAG’s home occupancy insurance is designed to meet the specific needs of owners at risk.

It offers the following main types of coverage:

1. Costs for vacating housing – up to 2000 euros. If the home is repossessed, the insurance provides financial compensation to cover the costs associated with the immediate eviction process. This amount can also be used to pay for additional services – such as the work of a locksmith, a cleaner, or any other measures that help return the home to its previous condition.
2. Legal protection – up to 12,000 euros. Fighting okupas involves complex and expensive litigation. The insurance covers the fees of attorneys who specialize in eviction cases, as well as court costs.
3. The claim for compensation for related damage is up to 12,000 euros. If home invaders cause damage to property or infrastructure, this coverage allows you to claim the compensation needed to repair your home.
4. Coverage for damage to the building – up to 6,000 euros. Acts of vandalism in occupied houses can cause serious damage. With this coverage, you can receive monetary compensation to repair the damage.
5. Protection from municipal administrative sanctions – up to 12,000 euros. In some cases, okupas create administrative problems due to their illegal activities, such as fines or municipal sanctions. Insurance covers legal fees associated with these procedures.
6. Legal assistance by telephone and online – up to 6,000 euros. From the outset, the owner will have a team of specialized lawyers available to advise them on the next steps to begin the eviction process and file a claim for damages.

One policy can protect your main and second home

With one policy you can protect your main home and second property, regardless of your location.

Such protection is especially relevant for owners who use the property as a second home, rent it out or are outside Spain for a long time.

At the same time, to reduce risks, it is important to check the object and its legal status in advance, especially when it comes to purchasing real estate. You can find out more about this in the material about how to check property in Spain before buying.

What to pay attention to before concluding a contract

Before concluding an insurance contract, it is recommended to compare such aspects as:

• maximum sum insured;
• legal fees included;
• maximum period for payment of compensation;
• coverage for material damage;
• availability of grace periods;
• exceptions to the contract;
• additional services – telephone support or comprehensive support for the procedure.

In addition, if the housing is planned to be rented out, the owner should take into account not only insurance protection, but also organizational issues related to renting out real estate in Spain, selection of tenants and monitoring the condition of the property.