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Home insurance the way it should be

Get the covers you want, the duration you prefer, and the price you need.

What’s your home address?
All you need is your home address and a few more details.
Fair and competitive pricing – forever
Duration from 30 days to as many as you need
Get up to 10% off in your property tax
Fast claims without small print
Continuous contact and updates for your claim
Get up to 10% discount on your property tax

Get up to 10% discount on your property tax

With every home insurance program from us you can get the property tax discount.
Get a quote

Just choose the program you need

Insure your home to have peace of mind.
Essential Many covers for your home in an affordable package. Includes the basic covers you need plus the ones that get you the property tax discount.
Fire

We compensate you for damage done to your home by:

  • ignition
  • accidental fire
  • forest fire
  • lightning strike
  • smoke or boiler/burner explosion.

Furthermore, we cover any damage that may occur while trying to put out the fire, as well as firefighting costs.

Short circuit

We compensate you for damage done to the electrical installations or appliances in your home by:

  • overloading of the electrical network
  • short circuit
  • overheating
  • electric arc transformation
  • electricity evasion.

The compensation will not exceed €4,200 and the deductible is €200. The deductible is the amount you have to pay for the damage.

Earthquake

We compensate you for damage done to your home by an earthquake or one of its consequences:

  • fire
  • ground subsidence
  • landslide
  • tidal wave - tsunami.

An deductible of €2,800 applies for this cover. The deductible is the amount you have to pay for the damage.

Natural phenomena

We compensate you for damages done to your home by natural phenomena:

  • flood
  • storm
  • hail
  • snow.
Leakage

We compensate you for damages done to your home by leaking or overflowing pipes or tanks belonging to the:

  • water supply
  • cooling system
  • heating system
  • drainage.

Furthermore, we cover the cost of:

  • investigating the damage
  • restoring the damaged parts
  • pumping the water.
Collision

We compensate you for damages done to your home or its fencing by a vehicle (and drone) collision. We even cover the fall of:

  • trees or branches
  • posts or antennas.

To compensate you for these falls, they must result from causes covered by your policy (e.g. natural causes).

Finally, we cover the impact of an airplane or objects falling from it onto your home.

Unrest

We compensate you for damages done to your home by:

  • malicious acts
  • terrorist acts
  • political unrest
  • work stoppages
  • strikes
  • civil commotion.
Glass

We compensate you for damages done to the windows of your home. Specifically:

  • mirrors
  • windows
  • glass interior surfaces
  • frames and rubber peripheral parts of windows and mirrors.

We also cover the installation costs for the above.

The compensation will not exceed the amount shown on your policy as the insured capital and the deductible is €200. The deductible is the amount you have to pay for the damage.

Liability from damage

We compensate you for damage that may be caused to other homes by something that happened to yours. Specifically we cover:

  • fire
  • leakage/breakage of pipes and tanks.

For example, if a leak from one of your own pipes spreads and causes damage to a neighbouring house, we'll give you a share of the amount you'll have to pay. The compensation will not exceed €30,000.

Owner's liability

We compensate you for damage or injury caused to other people while they are in your home if you, your family or household staff are responsible. The compensation will not exceed €50,000.

Personal accident

We compensate you for accidents that you, your spouse or your minor children will suffer, if they live with you. For the compensation to apply, the accident must have resulted from a covered risk, which means damage covered by your policy

Expenses

We compensate you for expenses you'll have to pay if, after damage to your home, you'll need:

  • architects
  • mechanics
  • issuing a permit
  • debris removal
  • relocation.

The compensation will not exceed €8,400.

Legal protection

We cover legal costs and attorney fees that may arise from damage to your home that is covered by your policy. For example, if a leak starts with you, moves to another apartment and you and the owners end up in court, we will cover some of these costs. The compensation will not exceed €30,000.

Lock replacement

We compensate you for replacing locks in your home if somebody tries to enter it illegally or if you lose your keys. For the cover to apply, you must report it to the police within 48 hours. The compensation will not exceed €500.

Choose cover
Additional Even more covers if you want to feel extra safe. Includes all our Essential covers and a few extras, like theft and accidental damages.
Accidental damages

We compensate you for damage done accidentally, without intent, to items you have in your home:

  • sanitary ware
  • ceramic hobs
  • TV
  • stationary computers
  • video equipment
  • audio equipment
  • wiring and utilities.

The compensation will not exceed €2,000 and the deductible is €200. The deductible is the amount you have to pay for the damage.

Theft

We compensate you for damage done to your home by people trying to break in. Furthermore, we cover items that may be stolen, and damage to the contents, even if nothing is stolen. But for this to apply, the items must have obvious signs of tampering. The compensation will not exceed €7,000 and a €500 deductible applies. The deductible is the amount you have to pay for the damage.

Landslides

We compensate you for damage done to your home by:

  • landslide
  • land subsidence
  • ground elevation.
    For the cover to apply, these events must not have been caused by an earthquake. A deductible of €2,000 applies. The deductible is the amount you have to pay for the damage.
Rent loss

We compensate you for the rents you will lose if your home suffers damage that makes it uninhabitable and your tenants leave. The compensation will be based on the rent you declare and will apply until the damage is repaired or until you can rent again. The compensation will not exceed €14,000.

Choose cover
Download our policy Terms & Conditions (PDF)
Download our policy Terms & Conditions (PDF)
First step - Tell us about your home
Second step - Choose the insured amount
Third step - Choose the plan and the duration
Fourth step - A few details and choose the payment method

Sign up online in just a few minutes

  1. Tell us about your home

    2. We'll only need your address to find your house.

  2. Choose the insured amount

    3. You choose for what amount you want to insure the building.

  3. Then choose the plan and the duration

    4. You choose the plan you want as well as the duration of the insurance.

  4. Finally give us a few details and choose the payment method

    5. You'll need to give us information about yourself and then simply make the payment to have the policy issued.

We settle claims faster than anyone else

We know that the one thing you need is fast compensation.
Fast claims
Without small print
24-hour contact
We notify you with any updates
See how we do it

Don’t just take our word for it

March 2023

Fast service, friendliness. All companies, not just insurance companies, should have it as a model.

George P.
March 2023

I have been a HAPPY customer since 2014! HD people are our friends, not just partners!

J F.
Jan. 2023

There is no insurance company in Greece like this one. They are alone and there are the others.

Stavros P.
Jan. 2023

The insurance company that came from the future.

Aggelos Ο.
March 2023

I have been insured for many years. When you need them they are there. Polite, helpful and informed!

Constantinos M.
March 2023

Thank you for always being there and of course I am not changing insurance, you are professionals!

Nektarios T.

Got a mortgage and they “forced” the insurance on you? We’ve got you!

You choose the insurance company for your mortgage. Not the bank. 
That means that you can choose us even if you already have a mortgage. We will take care of the bank and the other insurance company.

We communicate with the bank

We’ll send everything needed to the bank, including the policy and the insurance terms.

We contact the insurance firm

We’ll notify them about the cancellation of your policy, so you can take your money back.

We take care of the next steps

You won’t have to talk to anyone else. We will take care of everything, including the contract renewals.
We communicate with the bank
We’ll send everything needed to the bank, including the policy and the insurance terms.
We contact the insurance firm
We’ll notify them about the cancellation of your policy, so you can take your money back.
We take care of the next steps
You won’t have to talk to anyone else. We will take care of everything, including the contract renewals.

Frequently asked questions

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
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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.

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Valuable 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
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Sign up online in just a few steps

It takes less than 5 minutes

All you need is your home address and a few more details.

Need help? We certainly have our ways!

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