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Squatter insurance in Spain

Owning property in Spain comes with the inherent risk of encountering squatters, and property owners need to be vigilant to avoid potential problems. Squatting can lead to serious legal and financial challenges, as the process of eviction may be time-consuming and complex. Squatter insurance in Spain can make the eviction process must easier to deal with.

Property owners should be aware of the need to secure their vacant properties effectively, utilising proper locks and security systems. Failing to take preventive measures could result in unauthorised individuals occupying the premises, leading to legal disputes and the need for time-consuming eviction proceedings.

In response to the growing concerns over squatters in Spain, an insurance policy tailored to address such issues has become increasingly essential. This specialised insurance is designed to provide property owners with a comprehensive safety net, offering coverage for legal expenses associated with eviction procedures, property damage caused by squatters, and potential loss of rental income during the eviction process.

What are my rights if I find squatters in my property in Spain?

In Spain, the rights of property owners against squatters are protected by law, but the legal process and specific rights can vary. Here are some general points to consider:

1. Civil Actions

   – A new version of the Civil Procedures Act was introduced in 2018. The purpose was to reduce the time it takes for an owner to regain possession of their property.

   – If the squatters arrived within the previous 48 hours the police may be able to get them to leave, otherwise, you will have to go through the court process.

2. Eviction Process

   – The eviction process typically involves filing a complaint with the court. The court will then evaluate the case and, if it finds in favour of the property owner, issue an eviction order.

   – It’s important to note that the process may take some time, which is why a specialist legal team available through an insurance policy will prove very useful.

3. Things you cannot do if you have squatters

  • Engage in threatening, intimidating or physically harmful behaviour towards the unauthorised occupants
  • Replacing the locks
  • Obstructing access to the property whilst the occupants are out
  • Cut off the water, electricity or other utility supplies

4. Proof of Ownership

   – Property owners will have to provide clear evidence of ownership in court.

5. Preventive Measures

   – Property owners may also take preventive measures. For example, securing vacant properties with proper locks and alarms, to deter potential squatters.

How does Squatter insurance in Spain help me?

Squatter insurance may be available as an add-on to your home insurance policy. It may also form part of a general legal advice policy you can take in Spain. Finally, you can contrcat it as a stand-alone product.

Typical Advantages

  • The insurance company uses its legal representatives to assist you in the event of the illegal occupation of your home.
  • Claim for damages that your house has suffered during the occupation
  • The policy or cover may also include an amount for economic loss whilst your property was occupied

This insurance serves as a proactive measure, empowering property owners to navigate the complex legal landscape more confidently and mitigating the financial risks associated with squatters. As the incidence of squatting continues to be a potential risk, property owners in Spain are encouraged to explore this specialised insurance to safeguard their investments and ensure peace of mind.

Contact us for more information.