Join a Secret Italy

You too Can Live in Italy. Here's How.

SUBSCRIBE TO OUR FREE EZINE

House Insurance Italy

"House Insurance in Italy made simple"

House Insurance in Italy is often forgotten but before you buy it is well worth deciding how you intend to insure your new holiday home. On this page we provide some top insurance tips to help you to make the right decision.

Home owners insurance is not obligatory .... unless you have a mortgage; in which case the lender will require you to have insurance for the property.

In terms of insuring a house and getting a mortgage bond it is often easier to do this in your home country, particularly if the property is to be used as a holiday home. In the UK there are a number of reputable insurance firms offering both house insurance and mortgages.

The advantages of insuring in this way are numerous but two of the most important are:

1) House Insurance claims are often settled quicker through UK, Northern European and US insurance companies.

2) It is a lot simpler to have insurance policies in your own language and the handling of claims is invariably easier.

It is important to note that you should use one insurance company for both household content insurance and building/house insurance in order to avoid conflicts between the insurance companies in the case of a claim.

Build Insurance is the Most Important

House in Italy by Alexander Stahilov

Try to make sure that storm damage and natural disasters are covered and that the amount you are insured for covers the rebuilding cost.

Earthquakes are supposed to be covered by the Italian government - but you might wait twenty years for your house to be rebuilt.

My advice, should you be in an earthquake risk area, would be to have this included in your policy. You will be unlikely to obtain 100% replacement value cover though but you will likely be paid out fairly quickly and be able to get on with your life.

A friend of mine, whose house was pretty much destroyed in the Abruzzo earthquake, rebuilt within a year thanks to the fact that they had a policy with a UK company covering earthquake damage.

If you own an apartment then building insurance is normally included in your service fee but third party insurance is advisable.

Contents Insurance

Contents Insurance is always a good idea but not essential and the insurance company will insist on many conditions like burglar bars etc being met. Valuables are virtually never covered and so many conditions and exclusions exist that I have never bothered to cover our valuables.

So many Italian insurance companies have house insurance policies that seem designed to find loopholes to get out of paying no matter what and understanding the insurance small print in English is bad enough let alone in Italian.

The result is that, even if you pay a slightly higher premium to a company in your own country, it is likely to be a better option.

Anyway, it is not a forgone conclusion that house insurance premiums will be higher in your own country. Italy has very high insurance premiums generally and insurance companies in the UK, Holland (and many other countries too) often have lower insurance premiums than those in Italy. They also offer far better service in my experience.

Many UK companies are specialized in holiday home insurance and for some reason Italian household insurance companies often seem reluctant to pay out on claims involving holiday homes.

Have A Question or Story About This Topic?

Do you have a question or a story to share about this? Share it!

[ ? ]

Upload 1-4 Pictures or Graphics (optional)[ ? ]

 

Click here to upload more images (optional)

Author Information (optional)

To receive credit as the author, enter your information below.

(first or full name)

(e.g., City, State, Country)

Submit Your Contribution

  •  submission guidelines.


(You can preview and edit on the next page)

What Other Visitors Have Said

Click below to see contributions from other visitors to this page...

Cancelling home insurance in Italy Not rated yet
Can you also tell us how to cancel home insurance in Italy? I have a home insurance policy with an Italian insurance company but now that I'm in the …

Can You Recommend a US Company to Insure our House in Italy Not rated yet
The previous owners were Irish and they insured thru a UK Company. That company will not insure non WU residents. Can you recommend a US company that …

Building cover Not rated yet
Ciao Maria & Andrew, Thanks for updating the site on building cover. This advice is 100% spot on, and although it may alarm some, its better to …

Car Insurance in Italy Not rated yet
I have read through you article on home insurance with interest and have bookmarked it for future reference. I have recently moved to Italy and this article …

Click here to write your own.

You might like these

  • Walks and Hikes in Tuscany - Experience Tuscany like a Local

    Walks and hikes in Tuscany can only be wonderful: with cypress-lined lanes, quaint villages and picturesque farmhouses. So… lace up those walking shoes, pack your back-pack, and don’t forget the sun cream, we’re off to where the walking is as enchanting as the wine.

  • Why am I Living in Calabria?

    You are planning on living in Calabria? People thought I was crazy but here's the why, where and how of how I made my dreams come true.

  • Leaving Santa Domenica Talao

    The end of a dream sees Tammy (the single mom from Canada) leaving Santa Domenica Talao

  • Living in Positano

    Ever dreamed of living in Positano? Well, sometimes dreams just happen to come true. Here's my story of how a visit turned into forever...

  • Subscribe to A Secret Italy

    Become a part of the Secret Italy Club. Membership is open for a short while longer and we'd like you to be a part of the family.

  • It Broke My Heart: Travel Insurance for Italy

    The stories we heard broke our hearts. Many asked us to help out, to assist where we could. Stuck far from home. Sometimes sick. So, when people ask: "Is travel insurance for Italy necessary?" we reply...

  • Tellaro - One of Italy's Best Kept Secrets

    Everyone knows the Cinque Terre and the Amalfi Coast but there is somewhere just as lovely with hardly any tourists? It's Tellaro!

  • Getting the House in Calabria Restored

    Tammy, the single mom from Canada, shares the next part of her journey towards starting a new life in Calabria. Getting the house in Calabria restored is the challenge now!

Please Book with Us...

Please be so kind to support our family through difficult times when you next travel.

All you need do is book via the search box below, or any of the hotel links elsewhere on the website. It can be for travel to Italy... or anywhere else on earth.

You'll get the best deal available and the income we receive helps us to:

  • Stay independent and to keep bringing you the best of Italy.
  • Never have to accept money from hotels directly - meaning that we can share only those we genuinely love.

New! Comments

Have your say about what you just read! Leave me a comment in the box below.

Recent Articles

  1. You Too Can Live in Italy

    Mar 15, 21 08:26 AM

    Move to Italy

    Read More

  2. Third Wave Hits Italy

    Mar 08, 21 09:34 AM

    Read More

  3. Sacra di San Michele – A Monastery of Legend and Mystery

    Mar 04, 21 07:05 AM

    The Sacra di San Michele looms menacingly over the entrance to the Val di Susa in Piedmont. Legend has it that it was built by angels.

    Read More

  4. Tellaro - One of Italy's Best Kept Secrets

    Mar 03, 21 08:40 AM

    Everyone knows the Cinque Terre and the Amalfi Coast but there is somewhere just as lovely with hardly any tourists? It's Tellaro!

    Read More

  5. Is Tax in Italy High? All YOU Need To Know About Expat Tax in Italy

    Mar 02, 21 11:40 AM

    What are the tax rates in Italy? Are there tax incentives for moving to Italy? What about inheritance tax? All your questions about tax in Italy answered.

    Read More

  6. The Hill Towns in Tuscany the Tourists Haven't Discovered

    Mar 01, 21 03:45 AM

    There are hill towns in Tuscany where life goes on as it always has, where few tourists venture. Yet this Tuscany enchants as much as the other and maybe more?

    Read More