Euskadi ofrece a los caseros un seguro público gratuito para cubrir hasta 20 meses de impago de alquiler

The Basque Government will pay the overdue rental, utility bills, and damages to landlords, then seek repayment from tenants. The aim is to "unlock up to 25,000 vacant homes in strained municipalities". The free public insurance, named Alokaplus, will cover up to 14 months (20 in certain cases) of rent and responsibility for any resulting damage or neglect.

Adherents to the program can transfer the debt to the government, which will then take steps to collect it. The goal is to provide landlords with security to rent out properties and avoid additional costs for tenants. However, the legislation on who should pay for this insurance is unclear. Some squatters absorb the cost by passing it onto tenants, while others see it as a way to increase rental costs for tenants.

To qualify for this insurance, landlords must be individuals owning up to five properties in strained residential markets, and the properties must be rented out as regular housing. Both parties must sign an addendum to the contract, agreeing to reimburse the program for any unpaid rent, utilities, or damages. The government will still pursue the tenant for the repayment, but this is a means of providing landlords with security while maintaining tenant responsibility.

The monthly coverage cannot exceed the agreed rent or the state reference rental system, or 95% of the average monthly rent in the municipality, if applicable. In some cases, the landlord must file a lawsuit to recover the property due to non-payment, as coverage begins when the court admits the matter for resolution.