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Home insurance in Greece

DigiCare Insurance, an online insurance agency for Greece, sells home insurance online for houses and apartments in Greece, for owners, landlords and tenants, from fire cover to full cover with theft. Insured against earthquake, fire and flood at full rebuilding cost, the home can pay up to 20% less ENFIA the next year.

  • Calculate your quote online, no office visit
  • 4 programmes, from fire cover to agreed values
  • Earthquake cover as an add-on for homes built from 1960 onwards
  • Cover that can cut your ENFIA by 20%
  • 14 days to withdraw after you receive the policy
Calculate free quote
  • The building paid at the cost of rebuilding it as new, contents at the cost of replacing them as new
  • Fire, lightning, forest fire, explosion, smoke, vehicle impact and falling aircraft on every programme
  • Water, storm, snow, electrical damage and glass from Extended; burglary and robbery from Full

Earthquake is an add-on for buildings from 1960 onwards with a legal building permit and no past earthquake damage: excess 2% of the sum insured, minimum €2,000.

Reviewed by Costas Matheou, licensed insurance agent

What is covered

What home insurance covers in Greece, programme by programme

Basic pays fire and similar events, Extended adds water, flood and weather, Full adds theft; earthquake is an add-on. No law requires a private home in Greece to be insured; compulsory natural-disaster cover applies only to businesses with revenue over €500,000 (ΦΕΚ Α' 198/2024). A mortgage lender usually asks for fire and earthquake cover.

Fire, lightning, forest fire

Excess or limit
up to the sum insured

Included in

All 4 programmes

Explosion, smoke, vehicle impact, falling aircraft

Excess or limit
up to the sum insured

Included in

All 4 programmes

Under-insurance protection, newly bought items

Excess or limit
as in the policy

Included in

All 4 programmes

Burst pipes, flood, storm

Excess or limit
5% of the loss, minimum €500; water pipes up to 40 years old; 41 to 45 years: 15%, minimum €1,000

Included in

Extended and up

Snow, hail, frost

Excess or limit
5% of the loss, minimum €500

Included in

Extended and up

Electrical installation, appliances, short circuit

Excess or limit
€150

Included in

Extended and up

Riots, strikes, terrorism, malicious damage

Excess or limit
as in the policy

Included in

Extended and up

Glass and mirrors

Excess or limit
as in the policy

Included in

Extended and up

Temporary accommodation, moving, storage, lost rent

Excess or limit
when the home cannot be lived in after a covered loss

Included in

Extended and up

Liability to neighbours and to your landlord

Excess or limit
for damage from a covered event

Included in

Extended and up

Burglary, robbery, forced-entry and security-door damage

Excess or limit
holiday home: 10% of the loss, minimum €600

Included in

Full, Agreed values

Earthquake

Excess or limit
2% of the sum insured, minimum €2,000; buildings from 1960 onwards

Included in

Add-on

Family liability

Excess or limit
€100,000 per event, €500,000 in total; €100 excess

Included in

Add-on

Personal accident at home

Excess or limit
€20,000 death or disability; €1,000 medical costs

Included in

Add-on

Accidental damage

Excess or limit
€300 excess

Included in

Add-on to Full, Agreed values

Limits and excesses: the insurer's IPID (product information document) and home-insurance brochure (February 2026). On a main home the water and electrical excesses are optional, and a programme without them can be chosen; on a holiday home they always apply. Your quote lists each cover and excess.

Home insurance price

Home insurance prices: calculate yours

Your premium comes from the insurer's tariff: what you insure, the sums insured, the address and seismic zone, the year and type of construction, the programme, the excess and the options. The quote is free and commits you to nothing.

What do you want to insure?

The property

Earthquake cover is priced by seismic zone.

Sums insured and programme

What rebuilding would cost, not the market price. Too low a figure cuts every payout in proportion.

Furniture, appliances and clothes, at the price of buying them new.

We quote the programmes that fit your home.

Options and discounts

  • Free, no obligation
  • No personal details at this step

Discounts in the insurer's tariff

  • Mortgaged home

    What it takes
    The home has a mortgage

  • Second home

    What it takes
    You or a relative insure another home with the same insurer

  • Car insured too

    What it takes
    Your car with the same insurer; with a second home, one discount applies

  • Monitored alarm

    What it takes
    Full or Agreed values, alarm linked to a security company

  • Large sum insured

    What it takes
    Building and contents together over €300,000, main home

  • Higher earthquake excess

    What it takes
    5%, 7.5% or 10% of the sum insured instead of 2% lowers the earthquake premium

Premiums include Greek insurance premium tax. The alarm and sum-insured discounts apply to the main covers only, not to earthquake or add-ons.

Underwritten by AIG Europe S.A., listed on the Bank of Greece register as an insurer active in Greece through its Greek branch. Market-wide costs: home insurance cost per square metre.

Who it covers

Which homes we can insure

Main home you own and live in
Accepted: Yes, building and contents
Home with a mortgage
Accepted: Yes; the bank must accept an equivalent policy from another insurer
Apartment in a block
Accepted: Yes, your apartment and its contents
Tenant
Accepted: Yes, contents only; on Full, burglary damage to the building is paid too
Landlord with long-term tenants
Accepted: Yes; lost rent after a covered loss from Extended
Holiday home
Accepted: Yes, with the excesses always applied
Home let only as a short-term rental
Other: No; see Airbnb insurance
Prefabricated or wooden home
Other: No
Home without a legal building permit
Other: No
Unfinished, under construction or renovation
Other: No
Vacant home
Other: No; holiday homes are accepted, tell us how often it is used
Home inside a forest area
Other: No
Building and contents over €1,000,000
Other: Case by case
Home with a claim in the last 3 years
Other: Case by case
Business premises
Other: See business insurance

Short-term rental hosts: Airbnb insurance. Owners abroad: holiday home insurance. Buying with a loan: what the bank asks for. Business premises: business insurance.

Exclusions

What home insurance does not pay

  • Wear and tear, gradual damage, faulty construction and damage from before the policy started
  • Water or heating pipes over 45 years old, drain pipes over 25 years old
  • Jewellery, gold, watches, cash, documents, securities and stamps
  • Animals, plants and trees
  • Earthquake, unless you add it; never for buildings from before 1960, without a permit or already damaged by an earthquake
  • Theft on Basic and Extended
  • Damage by your own or your family's vehicles
  • Damage you cause on purpose
  • War; on Basic also riots and terrorism

Example earthquake damage

€30,000

You · €3,000Insurer · €27,000

The earthquake excess is a share of the sum insured, not of the damage. A flat insured for €150,000 has €30,000 of earthquake damage: 2% of €150,000 is €3,000, above the €2,000 minimum, so you pay €3,000 and the insurer €27,000. Water damage works on the loss instead: on €4,000, 5% is €200, below the €500 minimum, so you pay €500. If the sum insured is below the real rebuilding cost, the payout falls in proportion (IPID and brochure, February 2026).

4 steps

How to buy home insurance online

  1. 01

    Calculate a free quote

    Postcode, size, year built, what you insure and its value, the programme and any options.

  2. 02

    Read the offer

    The price, the IPID and the terms, in Greek or English, before you pay.

  3. 03

    Pay before cover starts

    By card, bank payment code, e-banking or ELTA, directly to the insurer.

  4. 04

    Covered

    Cover starts on the date in the policy. The policy is posted to you, or e-mailed on request.

Documents: ID or passport with ΑΦΜ, the property address and m² as declared in your Ε9, the building permit or year built for earthquake cover, and the bank's details if the home is mortgaged.

  • ID and ΑΦΜ
  • Property address
  • Building permit
  • Mortgage details

Law 4223/2013

ENFIA discount: insure earthquake, fire and flood

A home insured against earthquake, fire and flood for its full rebuilding cost pays 20% less ENFIA, the annual property tax, the next year, or 10% if its ENFIA value is over €500,000 (Law 4223/2013 Art. 3 §7Ζ, as amended (ΦΕΚ Α' 198/2024)). For the 2026 ENFIA the tax authority (ΑΑΔΕ) counts at least €900 per m², for at least 3 months of cover (under 12 months cuts the discount pro rata); you apply on myPROPERTY by its February deadline.

  • 20% off ENFIA, 10% above €500,000
  • Extended or higher, plus earthquake
Calculate free quote

FAQ

Questions about home insurance in Greece

How much does home insurance cost in Greece?
It depends on the sums insured, the address and seismic zone, the year built, the programme, the excess and the options, so we publish no average. The calculator above gives the price for your home; our guide to cost per square metre covers the wider market.
Is home insurance compulsory in Greece?
Not for a private home: no law requires it. Businesses with revenue over €500,000 must insure against forest fire, flood and earthquake. A bank lending on your home will usually ask for fire and earthquake cover under the loan contract.
How do I get the ENFIA discount with home insurance?
Insure the home against earthquake, fire and flood for its full rebuilding cost (at least €900 per m² for the 2026 ENFIA), with an insurer on the Bank of Greece register, for at least 3 months of the previous year. Then apply on myPROPERTY by the tax authority's February deadline; the insurer reports the policy to ΑΑΔΕ. The discount is 20%, or 10% above €500,000 of ENFIA value, and falls pro rata for less than 12 months of cover. With us: Extended, Full or Agreed values plus the earthquake add-on. Details in the ΑΑΔΕ FAQ and our ENFIA discount guide.
Does home insurance cover earthquakes and floods?
Flood, storm and burst pipes are covered from Extended. Earthquake only if you add it, for buildings from 1960 onwards with a building permit and no past earthquake damage. Its excess is 2% of the sum insured, minimum €2,000; choosing 5%, 7.5% or 10% lowers the earthquake premium. More in earthquake cover for homes.
I have a mortgage. Must I buy the bank's insurance?
No. The bank may require a policy linked to the loan, but it must accept one from another insurer with equivalent cover (Law 4438/2016 Art. 11, transposing Directive 2014/17/EU Art. 12). Match the covers in your loan contract, usually fire and earthquake, and assign the policy to the bank if it asks.
How much should I insure the building for?
For what rebuilding it would cost today, not its market price and not the land. If you insure it for less, the insurer pays the same share of each loss as the share of the value you insured. For the ENFIA discount the sum must be at least €900 per m².
I rent my home. Can I insure only my things?
Yes. Choose contents only. On Full, damage to the building from a break-in is paid too, and from Extended your liability to the landlord for damage from a covered event is included.
Can I insure a holiday home, including from abroad?
Yes, the home must be in Greece; we confirm the details for owners living abroad in your quote. On a holiday home the excesses always apply: 5% of a water or weather loss with a €500 minimum, and 10% of a theft loss with a €600 minimum. The insurer excludes vacant homes, so tell us in the quote how many months a year the home is used.
Can I insure an apartment I let on Airbnb?
Not on this policy if the home is used only for short-term rentals. Hosts need Airbnb insurance. A home let to long-term tenants can be insured, with lost rent after a covered loss from Extended.
Is a home near a forest covered for wildfire?
Forest fire is covered on every programme, up to the sum insured. A home inside a forest area cannot be insured on this policy.
Are old water pipes covered?
Water, heating and air-conditioning pipes up to 40 years old are covered. From 41 to 45 years, a 15% excess with a €1,000 minimum applies even on a programme without excesses. Over 45 years there is no pipe cover. Drain pipes are covered up to 25 years.
What discounts are there?
The insurer's tariff has discounts for a mortgaged home, a second home or a car insured with the same insurer, a monitored alarm on Full or Agreed values, and a main home with building and contents over €300,000. Your quote shows the discounts that apply.
What do I do after damage to my home?
Limit the damage if you safely can, tell the insurer promptly and send the documents it asks for, such as photos, invoices and, after a theft, the police report. The building is paid at the cost of rebuilding it as new, most contents at the cost of replacing them as new.
Can I cancel the policy?
You can withdraw within 14 days of receiving the policy, by registered letter or e-mail to the insurer. After that you can cancel at any time in writing; the cancellation takes effect within 30 days.
Is it better to buy online, through a local agent or at a bank?
The insurer's terms are the same. Online with us you see the named insurer, the IPID and the terms before paying, you pay the premium directly to the insurer, and the insurer pays our commission. A bank offers its partner insurer's policy, but must accept an equivalent one from elsewhere.
Important information

Cover is underwritten by AIG Europe S.A. (Greek branch). Terms, exclusions and limits are in the policy documents (IPID) provided in Greek and English before purchase.

Premiums include Greek insurance premium tax. Your premium depends on your details: sums insured, address, year built, programme and options.

Homes in Greece with a reinforced-concrete frame, a legal building permit and no claims in the last 3 years; other homes are assessed case by case.

The ENFIA discount is granted by the tax authority (ΑΑΔΕ) when the legal conditions are met; we do not guarantee it.

DigiCare Insurance is a licensed insurance intermediary. Legal information · How we review content

Complaints go first to the insurer; you can also contact the Bank of Greece, the Consumer Ombudsman (Συνήγορος του Καταναλωτή) or use mediation.

Reviewed by Costas Matheou, licensed insurance agent · Last updated: