What does your home policy provide?
See the insured amount and whether earthquake, fire and flood are listed. ENFIA relief also has other conditions.
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Primary residence
120 sq.m — Athens
ENFIA discount
Flood cover is missing
Find the main cover in your home policy.
We help you find the amounts, exclusions and obligations stated in the policy. Discuss whether the cover is adequate with your adviser.
Rebuild cost check
With Family, we compare relevant amounts when the document itself states them. We do not independently estimate the cost of rebuilding your home.
ENFIA tax discount (GR)
Find whether earthquake, fire and flood are listed. AADE checks eligibility for ENFIA relief, including the insurance period and amount.
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
- For ENFIA 2026: 20% relief for a home with a taxable value up to €500,000 and 10% above that, subject to AADE's conditions and a full year of qualifying insurance in 2025.
- Earthquake, fire and flood cover must apply together. They may be provided by more than one policy, subject to AADE's conditions.
- The insured amount must cover the building’s rebuild value. Check AADE’s minimum value per square metre for your application year.
- At least three months of insurance in the preceding year are required. For less than a full year, relief is proportional.
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.
Common questions: Property
How do I get the ENFIA discount with home insurance?
For ENFIA 2026, insurance in 2025 must cover earthquake, fire and flood, meet the required amount and last at least three months. The reduction is up to 20% or 10%, depending on taxable value and duration. An AADE application is required.
What does home underinsurance mean?
Underinsurance means the insured amount is below the value that needs to be insured. If the average clause applies, even a partial claim may be reduced. Check your terms for any waiver of that clause.
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.
See how we read documents in each category.
Motor
What the policy would pay — and roadside assistance gaps.
See the cover, limits and your share of a claim. Payment depends on the terms and the circumstances.
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.
Find limits, exclusions and your share of expenses. Seek confirmation before planned hospital treatment.
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.
Review group and individual insurance together and ask how their benefits work together.
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.
Similar cover does not always mean unnecessary cost. Check how benefits work together before making changes.
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.
See what your home policy says.
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