If it is an apartment we are talking about, this includes common areas and facilities such as boiler rooms, lifts, etc.
Finally, the building also includes:
- Garage
- Warehouses
- Fences
- Swimming pools
- Tanks
- Antennas
- Awnings
- Solar water heaters
- Permanent and legal attachments
Items that are in the house, in a common area and in storage, such as:
- Furniture
- Electrical appliances
- Clothes
- Shoes
- Air conditioners
- Lighting fixtures
For all these to be considered as content, however, they must be for domestic and not professional use. Finally, we do not cover valuables as content.
Copy linkValuable objects or objects of value are:
- Objects made of porcelain, crystal or precious metal.
- Works of art such as sculptures, pictures and rare books
- Instruments, both musical and scientific
- Collections such as stamps, medals or coins
- Jewellery such as pearls or precious stones
- Relics such as clocks, weapons, furs or manuscripts
If you are an individual and your home insurance meets the requirements, the discount will automatically be applied to next year's property tax. For example, if you insured your home in 2024 for more than 3 months, the property tax that you will pay in 2025 for that home will be reduced. If your insurance does not qualify, you can choose one of Hellas Direct's home insurance plans.
Copy linkThe insurance should cover 100% of the value of the house, which should be at least €1000/sqm.
When we say house value we mean the reconstruction value of the house, not counting the value of the land. For the calculation of the discount the taxable square metres will be used, evidenced by the property register and the E9.
The insurance must be valid for at least 3 months and include earthquake, fire and flood coverages.
If the duration of the home insurance is less than 1 year, the property tax discount will be adjusted proportionally.
We compensate you based on the reconstruction value of your home, meaning the amount needed to repair or rebuild a home of the same type, in the same location, with the same materials. There’s no depreciation for age or usage.
The replacement value depends on the materials used during construction and may differ from the objective or market value.
Copy linkTo get the 15% discount on your home insurance, all you need is an active car insurance policy with us. When we speak on the phone to set up your home insurance, simply tell us your license plate number and we’ll apply the discount to your new policy automatically.
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