{"id":195,"date":"2025-06-03T20:29:32","date_gmt":"2025-06-03T20:29:32","guid":{"rendered":"https:\/\/www.deltaproin.com\/?p=195"},"modified":"2025-06-03T20:29:32","modified_gmt":"2025-06-03T20:29:32","slug":"seguros-de-impago-evitan-la-morosidad-en-el-alquilerin-slider","status":"publish","type":"post","link":"https:\/\/www.deltaproin.com\/?p=195","title":{"rendered":"Seguros de impago: \u00bfevitan la morosidad en el alquiler?"},"content":{"rendered":"\n<p>La crisis econ\u00f3mica derivada de la pandemia de la COVID-19 est\u00e1&nbsp;<strong>haciendo estragos en las econom\u00edas familiares<\/strong>. Una de las principales problem\u00e1ticas que est\u00e1 generando es la incapacidad para algunas familias de afrontar&nbsp;<strong>los pagos del alquiler.<\/strong>&nbsp;Como soluci\u00f3n, cada vez m\u00e1s arrendadores optan por&nbsp;<strong>contratar un seguro de impago para evitar la morosidad<\/strong>.<\/p>\n\n\n\n<p>La contrataci\u00f3n de este tipo de seguros, relativamente nuevos, ven\u00eda experimentando&nbsp;<strong>subidas desde 2019<\/strong>, cuando aumentaron un 35 % seg\u00fan datos del&nbsp;<strong>Observatorio Espa\u00f1ol del Seguro de Impago de Alquiler (OESA)<\/strong>, pero en \u00e9poca de pandemia se han doblado las contrataciones, hasta el punto de que el OESA estima que&nbsp;<strong>en 2021 el<\/strong>&nbsp;<strong>30 % de los nuevos contratos de alquiler incluir\u00e1n seguros de impago.<\/strong><\/p>\n\n\n\n<blockquote class=\"\\\\\\&quot;wp-block-quote\\\\\\&quot; is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>\u201cLa crisis de la COVID-19 ha hecho que los arrendadores se sientan m\u00e1s inseguros ante posibles impagos<\/strong>\u201d, explica Emiliano Berm\u00fadez, subdirector general de&nbsp;<strong>donpiso<\/strong>.&nbsp;\u201cEl vol\u00e1til contexto en el que vivimos provoca adem\u00e1s que sea muy dif\u00edcil prever futuras morosidades\u201d, razona.<\/p><\/blockquote>\n\n\n\n<p>Por ello, el experto considera que la mejor opci\u00f3n para evitar situaciones de morosidad es contratar estos seguros de impago.<strong>\u00a0\u201cEs la mejor forma de cerciorarse de que el dinero va a llegar\u201d<\/strong>, opina Emiliano Berm\u00fadez, quien a\u00f1ade adem\u00e1s que\u00a0\u201ces la tendencia que est\u00e1 siguiendo la sociedad\u201d.<\/p>\n\n\n\n<div style=\\\\\\\"height:30px\\\\\\\" aria-hidden=\\\\\\\"true\\\\\\\" class=\\\\\\\"wp-block-spacer\\\\\\\"><\/div>\n\n\n\n<figure class=\"\\\\\\&quot;wp-block-gallery wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\" columns-3 is-cropped\\\\\\\"><ul class=\\\\\\\"blocks-gallery-grid\\\\\\\"><li class=\\\\\\\"blocks-gallery-item\\\\\\\"><figure><a href=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/image4_large-1-2.jpg\\\\\\\"><img src=\\\\\\\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image4_large-1-1024x682.jpg\\\\\\\" alt=\\\\\\\"\\\\\\\" data-id=\\\\\\\"18907\\\\\\\" data-full-url=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/image4_large-1-2.jpg\\\\\\\" data-link=\\\\\\\"https:\/\/esp.wpresidence.net\/?attachment_id=18907\\\\\\\" class=\\\\\\\"wp-image-18907\\\\\\\"\/><\/a><\/figure><\/li><li class=\\\\\\\"blocks-gallery-item\\\\\\\"><figure><a href=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/house2-2.jpg\\\\\\\"><img src=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/house2-2.jpg\\\\\\\" alt=\\\\\\\"\\\\\\\" data-id=\\\\\\\"18906\\\\\\\" data-full-url=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/house2-2.jpg\\\\\\\" data-link=\\\\\\\"https:\/\/esp.wpresidence.net\/?attachment_id=18906\\\\\\\" class=\\\\\\\"wp-image-18906\\\\\\\"\/><\/a><\/figure><\/li><li class=\\\\\\\"blocks-gallery-item\\\\\\\"><figure><a href=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/image7_large-2.jpg\\\\\\\"><img src=\\\\\\\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image7_large-1024x768.jpg\\\\\\\" alt=\\\\\\\"\\\\\\\" data-id=\\\\\\\"18905\\\\\\\" data-full-url=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/image7_large-2.jpg\\\\\\\" data-link=\\\\\\\"https:\/\/esp.wpresidence.net\/propiedades\/alquiler-de-casa-en-el-plantio\/image7_large\/\\\\\\\" class=\\\\\\\"wp-image-18905\\\\\\\"\/><\/a><\/figure><\/li><li class=\\\\\\\"blocks-gallery-item\\\\\\\"><figure><a href=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/image5_large-2.jpg\\\\\\\"><img src=\\\\\\\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/image5_large-1024x576.jpg\\\\\\\" alt=\\\\\\\"\\\\\\\" data-id=\\\\\\\"18904\\\\\\\" data-full-url=\\\\\\\"https:\/\/residence.wpestate.info\/wp-content\/uploads\/2021\/06\/image5_large-2.jpg\\\\\\\" data-link=\\\\\\\"https:\/\/esp.wpresidence.net\/propiedades\/alquiler-de-casa-en-el-plantio\/image5_large\/\\\\\\\" class=\\\\\\\"wp-image-18904\\\\\\\"\/><\/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\">\u00bfC\u00f3mo funcionan los seguros de impago?<\/h2>\n\n\n\n<p><strong>\u201cEl seguro de impago de alquiler cubre la renta que se acuerda en el momento de la firma por hasta 12 meses de impago\u201d<\/strong>, explica Emiliano Berm\u00fadez. De esta forma, el arrendador se asegura su renta mensual y evita situaciones de morosidad por parte del inquilino.<\/p>\n\n\n\n<p>Adem\u00e1s del impago, estos seguros ofrecen otras coberturas. \u201cUna vez que se ha contratado un seguro\u201d, expone Emiliano Berm\u00fadez, \u201ces com\u00fan que se a\u00f1ada protecciones por da\u00f1os a la vivienda o robo. Que a su vez son la&nbsp;<strong>causa principal de litigios<\/strong>&nbsp;entre el casero y el inquilino\u201d, a\u00f1ade.<\/p>\n\n\n\n<p>Para el experto, contratar seguros tambi\u00e9n tiene beneficios para el inquilino, al servirle de desahogo econ\u00f3mico en caso de no poder afrontar los pagos del alquiler.&nbsp;\u201cCon una cobertura amplia, el inquilino&nbsp;<strong>evita posibles situaciones desagradables. Como entrar en la lista de morosos o incluso ser desahuciado<\/strong>\u201d, opina.<\/p>\n\n\n\n<p><strong>\u201cLos seguros de impago son una herramienta muy c\u00f3moda\u201d<\/strong>, piensa el experto. Y pronostica que en el futuro cada vez habr\u00e1 m\u00e1s p\u00f3lizas en el alquiler. \u201cAl igual que los seguros de coche, por ejemplo,&nbsp;<strong>es probable que con el tiempo se conviertan en una condici\u00f3n necesaria para alquilar<\/strong>\u201d, aventura.<\/p>\n","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 de seguros, relativamente nuevos, ven\u00eda experimentando&nbsp;subidas desde 2019, cuando &#8230;<\/p>\n","protected":false},"author":1,"featured_media":18829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[18,19,20,21],"tags":[23,24,25],"class_list":["post-195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bienes-raices","category-compra-de-propiedades","category-localizacion","category-precio","tag-immobiliaria","tag-madrid","tag-precio"],"_links":{"self":[{"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=\/wp\/v2\/posts\/195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=195"}],"version-history":[{"count":0,"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=\/wp\/v2\/posts\/195\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=\/wp\/v2\/media\/18829"}],"wp:attachment":[{"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deltaproin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}