Squatting in Spain: What are your rights and how can Anti-Squatter Insurance protect you?

Your rights as a property owner against illegal occupation

1. Right to recover your property

• In Spain, as a property owner, you have the right to reclaim the use and possession of your home. However, the legal process to evict squatters can be lengthy and complex. From the moment you identify the occupation, initiating the legal process typically involves multiple procedures, strict deadlines and significant costs. Anti-Squatter Insurance covers legal expenses to protect your interests, along with specific costs related to the eviction process.

• Example: Luis, the owner of a second home, discovered that his property had been occupied while he was in another city. Although the law was on his side, the time and resources required to recover his home were immense.  With Anti-Squatter Insurance, Luis would have received prompt legal assistance and coverage for eviction costs, allowing him to resolve the situation without excessive expenses or cumbersome paperwork.

2. Right to receive legal assistance

• As a landlord, you have the right to hire specialist lawyers who can handle the eviction and protect your rights. However, legal representation can be costly, and lengthy procedures increase expenses considerably. With Anti-Squatter Insurance, you have up to €6,000 for legal assistance, providing advice on the assets covered and the best way to protect your interests.
• Example: Marta, who owns a holiday home, had to hire a lawyer on her own when she discovered that there were squatters on her property. With Anti-Squatter Insurance, she would have had access to specialised lawyers and would have avoided the significant costs of their defence.

How an Anti-Squatter Insurance protects you against these challenges

Coverage of eviction costs

• Anti-Squatter Insurance covers eviction-related costs, including legal fees and administrative expenses, allowing you to handle the situation without financial stress. It provides up to €12,000 for legal fees to defend your interests and an additional €2,000 that can be used at your discretion to cover eviction expenses.

• Testimony: “When I discovered squatters in my second home, I felt so frustrated. Thankfully, with the Anti-Squatter Insurance, I had lawyers who handled the case, and the eviction costs were covered. I can’t bear to think about the financial burden I would have faced without this insurance.”

Protection against damage and destruction

• In addition to recovering the property, the Anti-Squatter Insurance covers structural damage to the building caused by illegal occupants with up to €12,000 for claims for damage to the property and up to €6,000 to cover damage caused by vandalism. This includes repairs and cleaning of damage to doors, windows or structural damage.
• Example: After recovering his home, Pablo found damage to the walls, doors and furniture. Thanks to the Anti-Squatter Insurance, these costs were covered, allowing him to restore his home without further complications.

Ongoing advice and comprehensive legal protection

• In the event of any illegal occupation, Anti-Squatter Insurance offers immediate legal advice and defence in municipal matters, with coverage of up to €12,000 for claims or fines resulting from squatters. This ensures you receive comprehensive support at every stage, preventing potential complications with public administrations.

• Example: Laura, a property owner who fell victim to illegal occupation, faced municipal sanctions due to the condition of her home. Thanks to the Anti-Squatter Insurance, she not only managed the eviction but also received support to defend against administrative claims, preventing further penalties from the City Council.

Why take out Anti-Squatter Insurance?