What to do if your insurer suggests that a 24/7 monitoring center connection is mandatory for coverage against okupas (Squatters)

This advice is often based on misinformation or commercial interests, such as cross-selling with partner companies. In this article, we explain why such a subscription is absolutely not necessary to meet the conditions of an okupas insurance policy. We base our insights on recent Spanish legislation and reliable facts, enabling you to make a well-informed decision. Our goal is to inform you about genuine security, without unnecessary costs or dependencies.

The Anti-Okupa Law of 2025: Rapid Protection for Homeowners

The new anti-okupa law (Organic Law 1/2025), introduced on April 3, 2025, has tightened regulations around illegal occupation to better protect homeowners. This law enables swift intervention: in simple cases, the police can act within 48 hours and issue an eviction order, without the owner needing to prove it is their primary residence. The procedure can be completed within 15 days through an expedited process. Criminal acts such as burglary and occupation are punished more severely, and the police are granted greater authority to intervene directly. Important: The law emphasizes prevention and prompt reporting, but does not require a monitoring center subscription for eviction. If you inform the police within 48 hours of an occupation, they can act immediately, often eliminating the need for an extensive legal procedure. This prevents okupas from claiming rights and renders an okupas insurance policy unnecessary in many cases.

Okupas Insurance: No Mandatory Cross-Selling with a Monitoring Center

Many insurers offer an ‘anti-okupa’ coverage that compensates for legal costs, eviction procedures, and damages, often up to €12,000 or more. These policies are an add-on to your home insurance and typically require a reliable alarm system for burglary detection – but a subscription to a monitoring center is absolutely not mandatory to claim the coverage. The advice to opt for a subscription often stems from commercial partnerships, not necessity. This is a form of cross-selling that is entirely avoidable: you are fully covered with a system that detects break-ins and alerts you directly, allowing you to call the police yourself. If your insurer imposes an unusual condition like a monitoring center, consider switching to another provider. Numerous insurance options are available without this restriction, accepting a standard alarm system.

Be Aware: An insurance policy is only relevant if you fail to report squatters in your home within 48 hours. Thanks to the new law of April 2025, the police intervene free of charge within this timeframe, eliminating legal costs with timely reporting.

This explains why, since the enforcement of this law, insurance companies have suddenly emerged offering coverage for legal costs related to squatter issues in Spain. This is pure deception. These providers are fully aware that the police resolve the issue for free as soon as you inform them, meaning no legal costs arise with a prompt response. Yet, they attempt to collect insurance premiums, knowing they will almost never have to pay out. Do not fall for these unnecessary policies – by timely notifying the police yourself, you can ensure a cost-free and effective solution, avoiding the trap set by insurers who exploit ignorance.

Police Response: Direct Calls Take Priority

A widespread misconception is that the police do not act on direct reports from homeowners. This notion is often spread by insurance companies, who have a vested interest in convincing you of a monitoring center subscription – for which they receive monthly commissions. Nothing could be further from the truth! In reality, direct calls from owners to the police are given the highest priority, especially in cases of burglary or occupation.

In Spain, it is legally prohibited for alarm systems to be directly connected to the police; notifications always go through a monitoring center, which can cause unnecessary delays. Our subscription-free system, however, provides immediate notifications straight to your phone, enabling you to quickly alert the police for a more efficient response. Monitoring centers may lose priority if they cannot reach the owner, and during signal interference (jamming), they remain completely unaware, giving a squatter the chance to go unnoticed for 48 hours. Opt for control and speed with our system, rather than relying on slow and unreliable monitoring center structures.

Signal Interference (Jamming): Additional Risks with Monitoring Center Connections

Jamming is a technique where burglars or okupas disrupt the alarm signal using an inexpensive device (English term: Jammer), rendering the system inactive without the monitoring center noticing.

Many subscription-based systems have unreliable or absent jamming detection, despite claims to the contrary. If this occurs, an occupation can go unnoticed for months, leaving you with okupas who claim rights. Even recent cases demonstrate that okupas can circumvent the law if owners do not act swiftly, as in a situation where an owner failed to properly deny access, resulting in the okupa being upheld. Legal compensations offer little help then: okupas can cause years of trouble, damaging your property and causing emotional stress. Prevention is better than cure!

Our system actively monitors for jamming and alerts you directly via your GSM, independent of a call center. You receive notifications in your own language, without delays or reliance on a Spanish-speaking center that may know nothing during jamming.

Benefits of Our Subscription-Free Alarm System

• Outdoor Detection Expertise: We detect intruders outside, before they enter. This prevents break-ins and associated damage.
• Quality Brands: Reliable, jamming-resistant technology from AJAX and Hikvision, the world’s leading brands.
• Direct Notifications: Always on your GSM, so you can take action yourself.
• No Subscriptions: One-time costs, no monthly obligations, and no legal fees thanks to timely police notification.

• Free Demonstrations: Discover for yourself how our system stands out! Our unparalleled expertise allows us to disable any alarm system claiming a monitoring center connection, without you or the center noticing. Again, we offer this demonstration for free if you currently have a subscription-based system. After our demo, you’ll never consider a monitoring center system in Spain again. Save month after month by saying goodbye to your current provider, or switch directly to a reliable system like ours.

Conclusion: Don’t be misled by insurers or subscription companies. A monitoring center subscription is absolutely not essential for okupas coverage or solid security. Thanks to the anti-okupa law of 2025 and a reliable subscription-free system like ours, you ensure the true protection of your home. Contact us today for a free demonstration and choose genuine safety – subscription systems are little more than child’s play and offer only an illusion of protection.