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Home insurance the way it should be

Get new home insurance and score up to 20% off your ENFIA tax. Throw in 12 instalments without a credit card, custom contract duration, and lightning-fast claims.
Honestly, what more could you want?

Get a quote

Why wait?

Home insurance costs a lot less than it’s worth. It's so easy to buy your new insurance in just a few steps, and get:

  • Up to 20% off your property tax (ENFIA)

    Our plans guarantee you get the benefit. Just make sure you meet the requirements, and you’re good to go.

  • 12 monthly instalments with no credit card, thanks to FlexiPay

    No commitments, no cards, no stress.

  • Full coverage. No fine print.

    Get compensated for the real value of your home.

Get a quote
First step - Tell us about your home

Get new insurance in just a few steps

  1. Share your home details, and some info about yourself.

Find the insurance that truly covers you

We’ve designed plans to fit every need while helping you save 20% on your ENFIA tax.

Content

Content insurance for your owned or rented home

  • Fire

    We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned.

  • Explosion, lightning

    We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

  • Forest fire

    We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

  • Natural phenomena

    We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

  • Smoke damage

    We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

  • Firefighting expenses and damage from firefighting

    We cover any expenses you may need to extinguish a fire affecting insured items.

  • Aircraft impact

    We cover you for damages from the crash of an aircraft or objects falling from it.

  • Vehicle collision

    We cover you for damages from vehicle collisions with your home and its fences.

  • Falling trees, branches, poles

    We cover you for damages from falling trees, branches, poles, and antennas.

  • Civil commotions, strikes, riots, disturbances

    We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

  • Terrorist acts

    We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

  • Malicious acts

    We cover you for damages from any malicious act against you by third parties.

  • Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

    We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

  • Theft of contents following burglary/robbery

    We cover you for items stolen from your home by burglars and for any damage they may cause even if nothing is stolen. To be covered, there must be visible signs of tampering, burglary, or climbing, you must notify the police within 24 hours, and if the home is unoccupied, you must have an alarm and any other security measures in place and maintain them according to the manufacturer's instructions.

Easy

Basic building insurance to keep your home protected

  • Fire

    We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned.

  • Explosion, lightning

    We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

  • Forest fire

    We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

  • Smoke damage

    We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

  • Firefighting expenses and damage from firefighting

    We cover any expenses you may need to extinguish a fire affecting insured items.

  • Aircraft impact

    We cover you for damages from the crash of an aircraft or objects falling from it.

  • Vehicle collision

    We cover you for damages from vehicle collisions with your home and its fences.

  • Falling trees, branches, poles

    We cover you for damages from falling trees, branches, poles, and antennas.

  • Civil commotions, strikes, riots, disturbances

    We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

  • Terrorist acts

    We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

  • Malicious acts

    We cover you for damages from any malicious act against you by third parties.

  • Natural phenomena

    We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

  • Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

    We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

  • Damage to the pipes themselves & investigative work

    We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

  • Third-party liability due to covered risks

    We cover you for damages to third parties resulting from fire, explosion or pipe leaks in water supply, heating, air conditioning, and sewage, for which a court has ruled you must provide compensation. All of these damages must be covered under the terms of the policy.

  • Breakage of glass

    We cover you for accidental breakage of glass in external or internal frames, as well as any other glass surfaces in the building. We also cover the installation costs.

Most popular

Core

Building insurance that protects you from earthquakes

  • Fire

    We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned."

  • Explosion, lightning

    We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

  • Forest fire

    We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

  • Smoke damage

    We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

  • Firefighting expenses and damage from firefighting

    We cover any expenses you may need to extinguish a fire affecting insured items.

  • Aircraft impact

    We cover you for damages from the crash of an aircraft or objects falling from it.

  • Vehicle collision

    We cover you for damages from vehicle collisions with your home and its fences.

  • Falling trees, branches, poles

    We cover you for damages from falling trees, branches, poles, and antennas.

  • Civil commotions, strikes, riots, disturbances

    We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

  • Terrorist acts

    We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

  • Malicious acts

    We cover you for damages from any malicious act against you by third parties.

  • Natural phenomena

    We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

  • Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

    We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

  • Damage to the pipes themselves & investigative work

    We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

  • Earthquake

    We cover you for damages to your home and its contents caused by an earthquake and/or fire resulting from an earthquake, provided the property was constructed from 1960 onwards and is in compliance with the seismic regulations.

  • Subsidence – Landslide

    We cover you for damages to your home caused by land subsidence, landslides, or land uplifting.

Max

For those who want both building and contents in one package

  • Fire

    We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned."

  • Explosion, lightning

    We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

  • Forest fire

    We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

  • Smoke damage

    We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

  • Firefighting expenses and damage from firefighting

    We cover any expenses you may need to extinguish a fire affecting insured items.

  • Aircraft impact

    We cover you for damages from the crash of an aircraft or objects falling from it.

  • Vehicle collision

    We cover you for damages from vehicle collisions with your home and its fences.

  • Falling trees, branches, poles

    We cover you for damages from falling trees, branches, poles, and antennas.

  • Civil commotions, strikes, riots, disturbances

    We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

  • Terrorist acts

    We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

  • Malicious acts

    We cover you for damages from any malicious act against you by third parties.

  • Natural phenomena

    We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

  • Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

    We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

  • Damage to the pipes themselves & investigative work

    We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

  • Third-party liability due to covered risks

    We cover you for damages to third parties resulting from fire, explosion or pipe leaks in water supply, heating, air conditioning, and sewage, for which a court has ruled you must provide compensation. All of these damages must be covered under the terms of the policy.

  • Breakage of glass

    We cover you for accidental breakage of glass in external or internal frames, as well as any other glass surfaces in the building. We also cover the installation costs.

  • Theft of contents following burglary/robbery

    We cover you for items stolen from your home by burglars and for any damage they may cause even if nothing is stolen. To be covered, there must be visible signs of tampering, burglary, or climbing, you must notify the police within 24 hours, and if the home is unoccupied, you must have an alarm and any other security measures in place and maintain them according to the manufacturer's instructions.

Add the extras you actually need

We know peace of mind is priceless, so we’ve made it easy to add optional coverages to any program. Just select what you need, and we’ll add it right to your quote.

Download our information document (PDF)
  • Earthquake

    We cover you for damages to your home and its contents caused by an earthquake and/or fire resulting from an earthquake, provided the property was constructed from 1960 onwards and is in compliance with the seismic regulations.

  • Subsidence – Landslide

    We cover you for damages to your home caused by land subsidence, landslides, or land uplifting.

FlexiPay debit card instalments for home insurance

FlexiPay for instalments without a credit card

Why not split your insurance cost into 12 instalments with your debit card? No loans, no commitments, no worries.

Learn more
Up to 20% ENFIA property tax discount with home insurance

Get up to 20% discount on your property tax

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

Learn more

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
We settle claims faster than anyone else
#customerservice

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.

Frequently asked questions

Which parts of the building are covered by the insurance?

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

What do you cover in terms of content?

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.

What do you mean by valuables?

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

How can I get the ENFIA discount?

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.

What are the requirements for the ENFIA discount?

The 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.

What do you mean by “compensation based on the value of the home”?

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.

What is FlexiPay?

It’s the new way to pay for your home and car insurance, and you’ll find it only at Hellas Direct.

With the FlexiPay instalment plan, you can insure your home for a full year with 12 monthly policies that renew automatically and are paid each month via direct debit.

Simply put, it’s not a loan and it doesn’t require a credit card. Just your debit card.

Insure your home in just a few minutes

Get a quote

Need help? We certainly have our ways!

FAQ