{"id":195,"date":"2024-01-28T17:49:45","date_gmt":"2024-01-28T17:49:45","guid":{"rendered":"http:\/\/wpresidence.net\/?p=195"},"modified":"2024-01-28T17:49:45","modified_gmt":"2024-01-28T17:49:45","slug":"seguros-de-impago-evitan-la-morosidad-en-el-alquilerin-slider","status":"publish","type":"post","link":"https:\/\/alquila-piso.es\/en\/seguros-de-impago-evitan-la-morosidad-en-el-alquilerin-slider\/","title":{"rendered":"Default insurance: does it prevent rent arrears?"},"content":{"rendered":"<p>The economic crisis resulting from the COVID-19 pandemic is&nbsp;<strong>wreaking havoc on family economies<\/strong>. One of the main problems it is generating is the inability of some families to cope with&nbsp;<strong>rent payments.<\/strong>&nbsp;As a solution, an increasing number of landlords are opting for&nbsp;<strong>take out default insurance to avoid late payments<\/strong>.<\/p>\n\n\n\n<p>This relatively new type of insurance has been undergoing a period of&nbsp;<strong>increases from 2019<\/strong>%, when they increased by 35 % according to data from the&nbsp;<strong>Observatorio Espa\u00f1ol del Seguro de Impago de Alquiler (OESA) (Spanish Rent Default Insurance Observatory)<\/strong>but in the pandemic season, recruitment has doubled, to the extent that the OESA estimates that&nbsp;<strong>in 2021 the<\/strong>&nbsp;<strong>30 % of new rental contracts will include default insurance.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>\"The COVID-19 crisis has made landlords feel more insecure about possible non-payment.<\/strong>\"explains Emiliano Bermudez, deputy director general of&nbsp;<strong>donpiso<\/strong>. \"The volatile context in which we live also makes it very difficult to foresee future delinquencies,\" he reasons.<\/p><\/blockquote>\n\n\n\n<p>For this reason, the expert believes that the <a href=\"https:\/\/alquila-piso.es\/en\/alquila-piso-es-la-mejor-opcion-para-alquilar-tu-piso\/\">best option<\/a> to avoid situations of default is to take out these default insurances.<strong>\u00a0\"It's the best way to make sure that the money is going to arrive.<\/strong>This is the trend that society is following\", says Emiliano Berm\u00fadez, who adds that \"it is the trend that society is following\".<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-gallery columns-3 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image4_large-1.jpg\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image4_large-1-1024x682.jpg\" alt=\"\" data-id=\"18907\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image4_large-1.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/?attachment_id=18907\" class=\"wp-image-18907\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-1024x682.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-300x200.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-768x511.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-1536x1022.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1-105x70.jpg 105w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image4_large-1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/house2.jpg\"><img decoding=\"async\" width=\"800\" height=\"500\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/house2.jpg\" alt=\"\" data-id=\"18906\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/house2.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/?attachment_id=18906\" class=\"wp-image-18906\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2.jpg 800w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2-300x188.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2-768x480.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/house2-525x328.jpg 525w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image7_large.jpg\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image7_large-1024x768.jpg\" alt=\"\" data-id=\"18905\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image7_large.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/alquiler-de-casa-en-el-plantio\/image7_large\/\" class=\"wp-image-18905\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-1024x768.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-300x225.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-768x576.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large-1536x1152.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image7_large.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image5_large.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image5_large-1024x576.jpg\" alt=\"\" data-id=\"18904\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image5_large.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/alquiler-de-casa-en-el-plantio\/image5_large\/\" class=\"wp-image-18904\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-1024x576.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-300x169.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-768x432.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-1536x864.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-255x143.jpg 255w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large-1110x623.jpg 1110w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/image5_large.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><\/ul><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How does default insurance work?<\/h2>\n\n\n\n<p><strong>\"The insurance against non-payment of <a class=\"wpil_keyword_link\" href=\"https:\/\/alquila-piso.es\/en\/property-submit-front\/\"   title=\"rental\" data-wpil-keyword-link=\"linked\">rental<\/a> covers the rent agreed at the time of signing for up to 12 months of non-payment\".<\/strong>explains Emiliano Berm\u00fadez. In this way, the landlord secures his monthly rent and avoids situations of default by the tenant.<\/p>\n\n\n\n<p>In addition to non-payment, these insurances offer other coverage. \"Once insurance has been taken out,\" says Emiliano Berm\u00fadez, \"it is common to add protection for damage to the home or theft. Which in turn are the&nbsp;<strong>main cause of litigation<\/strong>&nbsp;between the landlord and the tenant,\" he adds.<\/p>\n\n\n\n<p>For the expert, taking out insurance also has benefits for the tenant, as it provides financial relief in the event of not being able to meet the costs of the rent. <a href=\"https:\/\/alquila-piso.es\/en\/who-pays-for-the-repair-of-the-rented-accommodation\/\">rent payments<\/a>. \"With comprehensive coverage, the tenant&nbsp;<strong>avoid possible unpleasant situations. Like getting on the list of defaulters or even being evicted.<\/strong>\"He believes.<\/p>\n\n\n\n<p><strong>\"Default insurance is a very convenient tool\".<\/strong>he thinks. And he predicts that in the future there will be more and more policies in the rental sector. \"Just like car insurance, for example,&nbsp;<strong>are likely to become a necessary condition for renting over time.<\/strong>\", he ventures.<\/p>","protected":false},"excerpt":{"rendered":"<p>La crisis econ\u00f3mica derivada de la pandemia de la COVID-19 est\u00e1&nbsp;haciendo estragos en las econom\u00edas familiares. Una de las principales problem\u00e1ticas que est\u00e1 generando es la incapacidad para algunas familias de afrontar&nbsp;los pagos del alquiler.&nbsp;Como soluci\u00f3n, cada vez m\u00e1s arrendadores optan por&nbsp;contratar un seguro de impago para evitar la morosidad. La contrataci\u00f3n de este tipo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[87,88,89,90],"tags":[91,25,92],"class_list":["post-195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bienes-raices","category-compra-de-propiedades","category-localizacion-de-alquileres","category-precio-de-alquileres","tag-immobiliaria","tag-madrid","tag-precio"],"_links":{"self":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/posts\/195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/comments?post=195"}],"version-history":[{"count":3,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/posts\/195\/revisions"}],"predecessor-version":[{"id":23229,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/posts\/195\/revisions\/23229"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/media\/18829"}],"wp:attachment":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/media?parent=195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/categories?post=195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/tags?post=195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}