Your home, insured at the right value.
See what sum insured your policy states, what is covered in an earthquake or a flood, and whether you hold the trio for the ENFIA discount.
Free for 3 policies. No card. Delete everything whenever you want.
Primary residence
120 sq.m — Athens
ENFIA discount
Flood cover is missing
Is your home actually covered?
We read every critical term of your home policy and tell you whether your home (and your wallet) are truly covered.
Rebuild cost check
With Family, see whether the sum insured is still enough to rebuild your home — before the insurer pays out less.
ENFIA tax discount (GR)
We check whether you have the earthquake-fire-flood trio needed for the ENFIA discount of up to 20%.
Renting your home?
Home insurance is not only for owners. We read contents and tenant liability the same way. So you know what protects you in the home you rent, too.
The ENFIA discount, in numbers
- A 20% discount for homes with taxable value up to €500,000 — 10% above that. In force from 2025.
- All three perils must be on the same policy: earthquake, fire and flood.
- The sum insured must cover the building's whole value on a reconstruction basis — the law floors it at €1,000 per square metre.
- Minimum insured period: three months in the year, with the discount pro-rated.
Source: Law 5162/2024, art. 10 — Government Gazette A΄ 198/05.12.2024
What to keep at hand
- The schedule of covers naming all three perils.
- The sum insured and the building's square metres.
- The cover's start and end dates.
The whole process, step by step: the ENFIA discount guide.
What most people ask.
How do I get the ENFIA discount with home insurance?
By insuring the home for earthquake, fire and flood — all three together — for the full year. The discount reaches up to 20% and is checked by AADE.
What does home underinsurance mean?
It means the sum you declared is lower than the rebuild cost. Every payout is then reduced proportionally — even for a small loss, you receive less.
How does PolicyWallet help with home insurance?
We read the policy and show you which perils it names and at what sum, so you can see whether anything is missing from the ENFIA-discount trio. We do not sell insurance and take no commission.
Browse the rest of the insurance categories.
The same analysis applies to every policy you have.
Motor
What the policy would pay — and roadside assistance gaps.
See the payout your policy provides and — with Family — what is missing from your roadside assistance.
Property
Rebuild cost and the ENFIA tax discount, at a glance.
With Family, see whether your home is insured for less than it would cost to rebuild.
Health
What you pay out of pocket and where the hospital bills the insurer directly.
Know how much you will pay before you walk into a hospital, not after the bill arrives.
Cyber
Cover for ransomware and for your work coming to a stop.
See what your policy provides for the moment of an attack — no digging through old documents.
Liability
Third-party damage — with a double-coverage check.
Liability cover often already sits inside your home policy. With Family, see if you are paying for it twice.
Legal Expenses
Lawyers and courts: what your policy pays for.
Traffic, employment and consumer disputes. See which cases are covered and which are excluded.
Group Health
Coordinate corporate benefits with personal coverage.
With Family, you stop double-paying for overlapping benefits. Map the blind spots between your employer plan and personal policy.
Group Life
Life and disability capital for every employee.
The benefit that completes the package next to group health and pension. See who is covered and for how much.
Group Pension
Contributions, employer match and tax deductions, made clear.
Know what happens when you leave, how much you have built up, and what tax deductions you are entitled to.
Life
Cover amount, serious illness and mortgage protection.
See whether your life policy's capital actually covers your family and your outstanding mortgage.
Travel
Emergency medical abroad, trip cancellation and Schengen limits.
Know what your travel policy covers — and whether limits meet visa requirements — before you fly, not at a foreign hospital.
Pension & Savings
Contributions, maturity and surrender terms without fine print.
Understand what you signed: lump sum or annuity, guaranteed component, and what an early surrender costs you.
Boat
Mandatory liability plus hull & machinery coverage.
Liability cover is mandatory in Greek waters. See what else your policy includes before you cast off.
Fine Art & Valuables
Each piece at its own value — and the conditions that keep it in force.
We read the schedule of items, the agreed values and the security conditions — like the alarm your policy takes for granted.
Business
Premises, equipment, interruption and liabilities in one view.
A business multi-risk policy has many sections. See which ones you hold and which are missing, at a glance.
Pet
Is leishmaniasis covered? And which conditions are excluded?
Know exactly what's covered and what isn't before the vet hands you the bill.
Find out whether your home is insured at the right value.
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