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How to Rent Out Your Apartment in Spain Without the Risk of Arrears?
Standard home insurance only covers structural damage, leaving owners vulnerable to non-paying tenants. In 2026, eviction procedures remain legally complex, meaning a simple security deposit is no longer enough to mitigate risk. We provide a solution that transfers the financial burden to the insurance company: you receive your rent on time, even if the tenant stops paying.
Payment Guarantee
This policy replaces the need for a bank guarantee. If the tenant defaults, the insurance company compensates you and handles all legal proceedings.
Protection Cost
The annual premium typically ranges between 3% and 5% of the annual rent. This investment pays for itself during the very first month of a payment default.
Approval Speed
Tenant solvency checks are completed in less than 24 hours. You will receive official confirmation of a candidate's reliability on the same day.
Situation Analysis
The 2026 rental market demands extreme caution from property owners. Rent default insurance is not just a financial cushion; it is a comprehensive legal shield. When a conflict arises, the insurance provider appoints a lawyer and covers all court costs associated with the eviction process, which can otherwise cost thousands of euros in legal fees.
Essential parameters for total peace of mind:
- Compensation for unpaid rent for a period of up to 12 months.
- Coverage for acts of vandalism and intentional damage to furniture or decor.
- Included legal services for administrative or forced eviction cases.
- Protection against unpaid utility bills left by the tenant.
Tools to solve this problem
Zurich Hogar GO! TOTAL
Zurich Hogar GO! TOTAL
Zurich Hogar GO! TOTAL — The Top Tier of Home Insurance
- Immediate compensation for malicious damage.
- Legal assistance limits of up to 3000 euros.
- Zero deductible applied to primary coverage areas.
Agent's opinion "Do not make the mistake of signing a lease agreement before receiving insurance approval. In 2026, we advise submitting the tenant's data for scoring first. If an insurer refuses to issue a policy for a specific individual, it is a clear warning sign of high risk, regardless of how convincing their personal references may seem."
Mikhail G., Real Estate Risk Expert in Spain