Costa Rica Robbery Insurance: What You Need to Know
When a reporter asked Willie Sutton why he robbed banks, the “gentleman thief” supposedly said, “Because that’s where the money is.” Unfortunately, this is the same reason foreigners are disproportionately targeted by thieves in Costa Rica.
While Costa Rica is among the safest countries in Latin America, theft, burglary and robbery are not uncommon here, and tourists and expats are favored targets.
If you own a home in this country, you surely already have homeowners insurance, but it’s important to understand what it covers when it comes to theft or robbery.
Costa Rica has some unusual definitions for these crimes, and it has ways of insuring them that you may find odd.
What is ‘robo’?
Some homeowners insurance policies cover only the structure, insuring your house but none of its contents. It’s important to be sure you also have insurance that covers the contents.
This type of insurance generally covers “robo,” which is any kind of theft, burglary or robbery of your home in which force or violence is used on property or people (“fuerza o violencia contra las cosas o las personas”).
This would cover a burglary in which nobody is home and a thief breaks a window to get in and steal your valuables — because he used force to break a window.
This would also cover a home invasion or armed robbery in which the bandits physically confront the victims and steal their property — because they used force, violence or intimidation.
What is ‘hurto’?
What most homeowners’ insurance would NOT cover is “hurto,” which is usually translated “theft,” and is very similar to “burglary,” but has an unusual definition for insurance purposes.
“Hurto,” translated “pilferage” by insurers, is described as “an act through which a person illegitimately seizes material goods without using intimidation or violence to people or goods.”
We asked Gustavo Arias, the owner of Grupo Arco Seguros in Liberia, what this would mean in the real world.
He said this means that if a maid you invite into your house swipes your laptop while you aren’t looking, that’s not covered by normal homeowners insurance. She didn’t use force to enter the house, and she didn’t use intimidation or violence.
What if you step outside your house for five minutes to hang the clothes from the washer on the clothesline, and you don’t lock your door, and some passerby sees your laptop inside and swipes it? That wouldn’t be covered either, Arias says, because the passerby didn’t have to use force, intimidation or violence to steal your property.
However, you can insure your laptop separately so that it’s covered in any eventuality.
Insuring high-value items
Another important thing to know, Arias said, is that if you have any item inside your home worth more than $2,000, you need to declare its value when you buy your coverage and insure it separately.
For example, if you have an antique Swiss clock on your wall worth $5,000, and you haven’t insured it for its true value, you would get only $2,000 for that clock if it were stolen, Arias said. However, he added, if you do choose to insure the clock separately, you don’t have to prove the clock is worth $5,000 at the time you insure it.
It’s also important to understand that cash, jewelry and cellphones are not covered by ordinary homeowners insurance. But most items of value can be insured separately.
So how much does homeowners insurance cost? Arias said you can expect to pay $200 to $250 a year for each $100,000 of a home’s total value, including the structure and the contents. So for example, if your house is worth $80,000 and its contents are worth $20,000, you might pay $235 a year to insure it all against fire, flooding, natural disaster and robbery.
Why get an alarm system
One of the best ways to protect your property against robbery in Costa Rica is to install an alarm system. It probably costs less than you think to install a basic alarm system to detect any unauthorized entry to your home.
In addition to an alarm system, we like the deterrence offered by Blink Outdoor, a wireless battery-powered HD security camera with infrared night vision. It’s built to withstand rain and runs for up to two years on two AA lithium batteries. You’ll get motion detection alerts on your phone, and you can see, hear, and speak to visitors in real time on the Blink app.
If an alarm is ever activated, these camera systems allow us to look and see what’s been recorded on video, and if necessary to send our staff to the property or call the police.
If you are a property owner represented by Special Places of Costa Rica, our staff will monitor both your alarm system and your security cameras while you are away and take action if there is any disturbance.
We have actually caught thieves using these alarms, including one man who started his day breaking into an alarmed home in Catalina Cove and ended his day behind bars at the local jail.
These systems provide peace of mind far better than just hoping nobody breaks into your place. Contact Special Places at firstname.lastname@example.org if you would like more information about either robbery insurance or alarm systems. We will steer you toward the best, most reliable and most honest providers, and our advice is free.
Special Places is located within the beautiful coastal resort town of Flamingo, in the province of Guanacaste, Costa Rica. With over 15 years of service dedicated to the rental and property management profession, we have an extensive list of rentals in the Flamingo, Potrero, Brasilito and Tamarindo Beach area. Whether looking to plan your next tropical vacation or searching for someone to manage your home, our goal is to provide our clients with the most efficient and personable service in the area.
** In accordance with public health recommendations, Special Places continues to work hard to keep our guests safe. These protocols include enhanced cleaning and disinfection procedures for all properties under management **
We are very proud of our professional maid service staff, who provide regular cleaning for some 150 properties — and do it with a smile. A half-dozen maids provide full-time service at a single house, but all the rest rotate among a wide variety of properties from Matapalo to Playa del Coco.
Maids are responsible not just for cleaning but for staging the house, with everything in its proper place, and keeping track of inventory (so that, for example, new clients don’t check in and find there’s no toilet paper). At times, say on Jan. 2, there are so many checkouts and check-ins that the maids bring their sisters, brothers and mothers to get all the work done.
Full-time maids assigned to a single property assist clients with shopping, cooking and laundry, and they often form close bonds with clients. It’s no surprise that our clients often want to take their maids home with them.
Special Places of Costa Rica employs two full-time maintenance men who service all our properties, plus a handful of caretakers dedicated to a single property each.
These men will fix just about any problem that arises — leaks, electrical and plumbing issues, a door that scrapes on a floor, a noisy ceiling fan… you name it. They also paint homes and provide roofing maintenance.
Our maintenance staff are available 24/7 for emergencies like a burst pipe that causes a flood. Special Places of Costa Rica also enjoys a network of qualified subcontractors to handle swimming pool service, gardening / landscaping and repairs to air conditioning units & kitchen appliances.
Steven, from Potrero, is a rental agent for Special Places. He processes rental inquiries, checks on property availability, makes reservations and helps with check-in and check-out info.
Steven has worked at three hotels: as a bellman at Casa Chameleon in Las Catalinas, as a receptionist in the Sugar Beach Hotel near there, and as a receptionist at Jardín del Edén in Tamarindo. He has a bachelor’s degree in teaching English from the Universidad Latina in Santa Cruz, and someday he hopes to teach English at his old high school in Cartagena.
Steven likes to ride his Kawasaki 250 dirt bike in the Potrero Hills, around Las Catalinas and in Tempate. He’s also interested in cars and mechanics, and he’s skilled at repairing motorcycles.
Quote: “I think work is a very important tool that helps us to fulfill ourselves as human beings in life and to improve on what we already know.”
Born in Samar Province in the Philippines, Phem has a two-year degree in computer science from the Asian Institute of Computer Studies. She came to Costa Rica at age 19 to work for her aunt, who owned the Mariner Inn in Flamingo. She later worked for House of Rentals, then Special Places of Costa Rica when the companies merged. As a concierge, she books tours, rental cars, chefs or whatever clients need to make their stay enjoyable. “Whatever they request, you do it,” she said.
She enjoys “having a connection to people, meeting different people, helping people.” Her proudest accomplishment was moving from the Philippines to Costa Rica to explore better opportunities. She recommends that visitors to Flamingo try an ATV tour, a catamaran cruise, rappelling or whitewater rafting.
Quote: “I love Potrero. I live in Surfside. It’s quiet, safe, and people there are very accommodating, nice, friendly, always willing to help you. They’re open to anyone. I like that community. And the bars are within walking distance.”
Pascale, Kenny’s mother and business partner, is the head accountant at Special Places. She is responsible for all the accounting, billing and taxes, managing the maid service, setting work schedules and procuring cleaning products.
Pascale is from Antwerp, Belgium, where she and her husband had a food-service business specializing in poultry. But they often traveled to the Caribbean and Central America, and in 2009 decided to move to Costa Rica.
“We thought it was time to follow some dreams, so we sold the business and came to Costa Rica,” she said. They traveled to every corner of the country, but they fell in love with Guanacaste and decided to settle in Flamingo. They couldn’t find a house that satisfied Pascale’s handyman husband, so they built their own on the hills above Potrero in Pacific Heights.
She says her proudest accomplishment is “bringing two beautiful sons into the world.”
Quote: “The way we raised them, they were very independent. We taught them to work also. Of course, school came first. To us it’s white and black, and the gray doesn’t exist. It’s good or bad.”
Norlyng coordinates the maintenance of all Special Places properties, and she’s also in charge of Human Relations and is an assistant to Kenny Segers.
Born in Limón but a longtime resident of Matapalo, she previously worked as a receptionist at the Best Western Seis Playas Hotel. She also spent six years at the Wyndham Tamarindo, working as head of reception and as an administrative assistant.
Norlyng studied law for a year and a half at the University of Costa Rica in Liberia, but currently she is more focused on tourism. She is married and has two daughters, ages 9 and 2. Her interests include reading (the Bible, inspirational works and finance) and going to relaxing places.
Quote: “My philosophy of life is to live in the present and try not to worry about the future, to have clear objectives, to try not to stress too much and to act in the present.”
A native of Brasilito, Karolayn has a bachelor’s degree in accounting from the Universidad Latina in Santa Cruz. She is responsible for the billing, accounting and filing at Special Places.
She enjoys hiking and swimming, and her favorite local places are Playa Danta and Playa Conchal. Asked what activity she would recommend to visitors, she said riding a Banana Boat, an inflatable, banana-shaped boat towed behind a speedboat.
Quote: “The working environment here is very nice, very tranquilo. We get along really well, the management, the coworkers, and also the maids and maintenance people. Also, in my job I’ve learned a lot of things that in university classes they don’t teach. It gives you the opportunity to learn and grow.”
A native of Antwerp, Belgium, Kenny emigrated to Costa Rica in 2008. Having graduated from high school in Belgium, he studied economics and business administration in Costa Rica. Eager to go into business, Kenny left university to work as a property manager for House of Rentals in Flamingo, which he acquired not long after starting the job. House of Rentals grew into Special Places of Costa Rica, currently represented by offices in Playa Flamingo and Playas del Coco, and known as one of the leading agencies in the area.
Kenny speaks and writes fluent Spanish, English and Dutch. He is the proud father of a Costa Rican son, Khael, who was born in 2016.
Passionate about his growing vacation rental and management business, Kenny is always looking for investments and opportunities. Hotel Pitaya Lodge (formerly Kakaos Lodge) is also under his management.
In 2020, he began building the first of several homes as part of a newly launched project development/construction company.
Juan Carlos works as a rental agent, attending to any questions about renting a property, explaining the options available, answering any questions and supporting the concierge team in extra services like tours or transport.
Juan Carlos was born in San José and currently lives in Potrero. He has worked for some 15 years in sales or customer service at hotels, including the Hotel Barceló in San José, the Hotel Parador in Manuel Antonio and the Lagarta Lodge in Nosara.
He also studied English at the Instituto Norteamericano in San José, earning a C2 certification in English. He has also taken several courses in administration.
Juan Carlos likes walking on the beach (“so I’m definitely in the right place”) with his French bulldog. “They’re very mischievous but very sweet, very good company.”
Quote: “I always say, ‘It costs nothing to smile.’ I always like to convey that people should be happy no matter what.”
Juan Diego, who was born and raised in Villarreal, works as a concierge. That means he helps visitors arrange tours and transportation, rental cars, airport pickup and dropoff, and other services.
Juan Diego studied sustainable tourism management at UNED, the Universidad Estatal a Distancia, where he received a bachelor’s degree in 2013. He has worked as an admin for the Dream Chaser catamaran in Tamarindo, as a receptionist at the Hotel Pasatiempo in Tamarindo, and as a concierge at the Hotel Dreams Las Mareas in El Jobo.
Juan Diego enjoys watching HBO series and movies, riding his bike, going out with friends and watching the sunset on the beach.
Quote: “I like concierge work because I get to help a lot of people, fulfilling the dreams of tourists who visit a beautiful country like Costa Rica that’s full of nature.”
José does property inspections, check-ins and check-outs for Special Places, making sure that properties are in great shape for new clients.
Born in Limón, he currently lives in Cartagena. He went to high school at Liceo Experimental Bilingüe de Santa Cruz, and he spent seven years working as a waiter and bartender at the JW Marriotts in Hacienda Pinilla and Reserva Conchal.
He enjoys going to the beach, listening to music, watching movies and series, playing video games and spending time with family.
Quote: “If you’re afraid of dying, it’s better not to be born.”
A native of Nicoya who lives in Cartagena, Jhon works in accounting at Special Places, calculating reservation contracts, sales commissions and billing. He has been studying accounting at the Universidad Latina in Santa Cruz for a year and a half.
His goal is to have an accounting firm of his own. His favorite hobby is artisanal fishing, usually from a boat out of Flamingo, and he once caught a 70-pound mahi-mahi. He also has caught marlin in Tamarindo and Quepos.
His greatest pride is a nearly 2-year-old daughter named Elizabeth Aitana.
Quote: “I think the most marvelous thing that’s happened to me would be the birth of my daughter. That’s the thing I’m most proud of.”
Jason is a concierge and rental specialist with an interesting job — knocking on new clients’ doors to see if they need anything or would like to book any tours or other services.
Born in Limón and currently living in Huacas, Jason speaks flawless English. He has taken some university courses on websites and social media marketing. He is married, no kids, but has a cat named Kirara.
Jason previously worked as a database analyst at Western Union in San José, typically addressing charge-backs on credit cards and resolving other monetary issues.
Jason loves “adrenaline,” muddy offroad adventures, motorcycling, ATV, video games, surfing and skateboarding.
Quote: “You don’t have to be the smartest person to fulfill your dreams, all you need is to put in a little effort and be certain that you will achieve whatever you set your mind to.”
Gabriel joined Special Places as an accounting assistant at the age of 20. He was born in Liberia and currently lives in Filadelfia with his family.
He studied at the Colegio Técnico Profesional de Carrillo, with a specialty in accounting and auditing. He worked previously as an accounting assistant and secretary for a clinic in Palestina de Belén that serves disabled people.
Gabriel enjoys mountain biking, and for the past eight years he has volunteered at the Red Cross in Filadelfia, working mostly in strategic communication.
Quote: “We never have to give up on a dream just because of the time it takes to achieve it.”
Daniela works as an administrative assistant in Human Resources, helping with payroll, health benefits and insurance, as well as onboarding new personnel.
Born in Liberia, she now lives in Villarreal, and she not only has two dogs but also a horse. She adores animals and loves to go horseback riding in the country. She also likes listening to Latin music like cumbia and salsa.
Daniela has a bachelor’s degree in business administration from the Universidad Libre de Costa Rica (ULICORI). Before coming to Special Places, she worked as an HR assistant at the Occidental Hotel in Tamarindo, where she learned a lot about Human Resources in a real-world environment.
Quote: “Take risks, because everything good starts with a little fear!”
Carla works as an accounting assistant at Special Places and is also involved in property management.
She was born in Caracas, Venezuela, and raised in Ciudad Guayana, where she earned a law and accountant degree and worked as a lawyer and accountant. Since coming to Costa Rica, she has worked as a manicurist, masseuse, bartender, waitress and artist.
A gifted artist and something of a Renaissance woman, Carla also draws and makes earrings, necklaces, and bracelets. Her varied interests include dancing, hiking, scuba diving, traveling and discovering new cultures.
Quote: “My motto is ‘I know that I own the weak and fragile body of a woman, but I have the heart and stomach of a king.’ ”
This property is not managed by Special Places of Costa Rica.
Accordingly, rental rates and availability for this property might not be current. Please submit an inquiry and will be be happy to verify the details and assist you with your booking.