The home is perhaps the most important asset for every person. Whether it is the main residence, a holiday home or a property used professionally, home insurance offers protection against unforeseen events that can cause serious damage or financial losses.
In our office we collaborate with the most reliable insurance companies in the Greek and international market, in order to offer our clients comprehensive home insurance solutions. We analyze the needs of each owner and propose programs that combine economy, flexibility and a high level of coverage.
1. Main residence insurance
The main residence needs full protection, as it is the place of permanent residence and contains most of the personal belongings.
Indicative coverages:
- Fire, explosion, lightning.
- Damage from earthquake or natural phenomena (flood, storm, hail).
- Glass breakage.
- Theft or burglary.
- Damage from leaking pipes or electrical installation damage.
- Third party liability (e.g. water leak in an adjacent apartment).
2. Holiday home insurance
The holiday home, because it remains empty for a large part of the year, is more exposed to risks such as theft, vandalism or damage from weather phenomena.
Indicative coverages:
- All basic coverages of the main residence.
- Enhanced protection against theft or vandalism.
- Coverage of damage from prolonged disuse (e.g. humidity).
3. Short-term rental home insurance (Airbnb, Booking, etc.)
Renting a home on short-term rental platforms creates new protection needs. In addition to classic damages, there is an increased risk of damage or accidents caused by tenants.
Indicative coverages:
- Basic coverages (fire, earthquake, flood).
- Theft or damage caused by tenants.
- Third party liability (injury to a guest inside the premises).
- Protection of loss of rent due to damage.
4. Insurance of common areas of an apartment building
Common areas, such as stairwells, storage rooms, elevators, porters and underground garages, constitute an important part of a building and are often exposed to damage. Their insurance offers security to all tenants.
Indicative coverages:
- Fire, earthquake and natural phenomena.
- Damage to elevator and electromechanical equipment.
- Damage from leaks or floods.
- Civil liability of common areas (e.g. injury to a visitor in the stairwell).
Factors that affect the cost
- The location of the property (urban or coastal area).
- The use of the property (residential, holiday home, tourist rental).
- The age and construction materials.
- The amount of the insured capital (building, contents, or both) two).
What is needed for insurance
- Property details (title, E9 or purchase contract).
- Owner's identity details and VAT number.
- Property description (square meters, floor, year of construction).
- Recording desired coverages.
Useful notes
- Home insurance is offered at an affordable cost, especially when basic coverages are selected.
- It can be combined with other insurances (e.g. vehicle, life) for even more advantageous prices.
- In our office we offer personalized proposals, so that each client can enjoy the insurance that suits them without unnecessary expenses.
