What If Your Insurer Requires a Monitoring Center Subscription for Squatter Coverage?

This requirement is often driven by commercial interests or outdated information. Insurers and subscription salespeople earn from referrals – not from your actual safety. In this article, we explain why a monitoring center subscription is absolutely not required for coverage against squatters (okupas) or burglaries. Based on current Spanish law, including the 2025 anti-squatter law.

2025 Anti-Squatter Law: Fast Police Action Without a Monitoring Center

The new law (Organic Law 1/2025) strongly protects property owners: if you report within 48 hours, the police can act immediately and remove squatters – without a court order or proof of primary residence. The process is free and fast-tracked. A monitoring center is nowhere mentioned or required. A direct call to the police is sufficient for quick intervention.

Insurers who still demand a monitoring center do so mostly due to commercial partnerships – not because the law requires it.

Squatter Coverage: No Monitoring Center Needed

Almost all insurers offer coverage for legal costs and damage caused by squatters (up to €12,000 or more) as an add-on to your home insurance. They require a reliable alarm system – but not a monitoring center subscription. The push for a monitoring center comes from cross-selling partnerships, not from necessity.

With a subscription-free system, you call the police directly – which gets top priority. If your insurer insists on a monitoring center, switch providers: many accept standard alarm systems without this requirement.

Direct Reporting Is Faster and More Reliable Than Via a Monitoring Center

Salespeople often claim the police won’t respond to direct calls. That’s nonsense. In Spain, direct reports from owners receive the highest priority in cases of burglary or squatting.

A monitoring center is not allowed to call the police directly (Ley de Seguridad Privada). They must first verify with you – which causes delay. In case of jamming (signal blocking), nothing reaches them. Our system alerts you directly, independent of any monitoring center.

Jamming: The Weak Point of Every Monitoring Center System

A cheap jammer completely blocks the signal. Most subscription systems lack reliable jamming detection, despite stickers claiming otherwise. A squatter can then remain unnoticed for longer than 48 hours – with all legal consequences.

Our systems actively detect jamming and alert you immediately – you stay in control.

Why Subscription-Free Is the Better Choice

• Outdoor Detection: stops intruders and squatters outside, prevents damage.
• Top Brands: reliable, jamming-resistant Hikvision and AJAX.
• Direct Notifications: always on your smartphone – you call the police yourself.
• No Subscription: one-time cost, full ownership.
• Free Demonstration: see for yourself how we can disable any monitoring center system with a jammer.

Conclusion: Choose Real Protection – Not Illusion of Safety

Don’t be misled by salespeople or insurers who claim a monitoring center is “mandatory” for coverage or police response. The 2025 law enables fast police action without a monitoring center, and direct reporting is more reliable. Subscription systems offer illusion of safety and unnecessary costs.

Choose a subscription-free system with outdoor detection: you stay in control, prevent damage, and get real coverage. Contact us today for no-obligation advice at your home.