Join A Secret Italy

Subscribe to our FREE Ezine

Italian House Insurance Companies & Buying Guide

The funny thing about buying a property in Italy is that the buying procedure is relatively easy and very secure. The most difficult part is finding an agent and notary you feel comfortable with and trust.

Houses in Burano

The steps involved in the buying procedure and a brief explanation of each you can find on our Piedmont site.

More difficult than the buying procedure is getting your house insured after you have bought it. If you want to buy home insurance in Italy my advice is don’t do it.

Insurance anywhere can be a nightmare but Italian house insurance companies, and their horrible policies, are a minefield. The only things worse than Italian home insurance policies are Italian car insurance and life insurance policies.

The amount of small print that Italian house insurance companies have on their policies would take ages to wade through and be hard to decipher even if translated in English.

One other major problem with insurance companies in Italy is that they seem reluctant to pay out on holiday house insurance claims and you can forget about them ever including insurance on valuables.

In fact I have never bothered to insure our valuables because of all the escape clauses that exist.

My advice is to insure in your home country.

Unless you live permanently in Italy and speak the language dealing with a house insurance company in your own country is easier for a number of reasons:

1) Policies and claims will be handled in your own language.

2) From my experience insurance companies in the UK and USA settle a lot quicker than their house insurance counterparts in Italy. My brother is still waiting, after six years, for a vehicle insurance claim to be paid out.

3) Premiums on holiday home insurance are often cheaper in many European countries and in the USA.

A final important point to note is that, should you live in a high risk area, building insurance will often not cover you against earthquake damage 

When an earthquake does happen then the Italian government is liable but I wouldn’t hold your breath waiting for a payment from them.

If you aren't one for uncertainty then rather buy in an area with a lower risk of earthquakes and get cover in your country of origin.

Have A Story About Italian Real Estate?

Do you have a story about property in Italy or home insurance? Share it!

What Other Visitors Have Said

Click below to see contributions from other visitors to this page...

Italian House Insurance Not rated yet
I have a house in Italy and another house in Spain and I can tell you house insurance in both countries was a complete and utter nightmare and very difficult …

Click here to write your own.

  1. Home
  2. The Italian Real Estate Page
  3. Home Insurance

You'll Enjoy These...

  • Summer in Italy... and Christmas too?

    Ever experienced a summer or Christmas in Italy? Well, we've a way that you can bring that joy and happiness home with you...

  • 8 Unforgettable Places in Italy

    We have discovered 8 Unforgettable Places in Italy. From Puglia to Piedmont this really is Italy at its most beautiful... want to share in the secret?

  • Things to Do in Bari & Reasons to Love Bari

    In many ways it is in Bari that the heart and soul of Puglia is to be found. Bari is real, Bari is vibrant and Bari is enchanting. Watch out for flying wooden spoons though!

  • Where In Italy Do You Belong?

    Where In Italy do you belong? Take this short quiz to find the answer! Then start planning your next vacation or big move.

  • 12 Reasons to Move to Italy Now

    Need a push to get going? Here are 12 Reasons to Move to Italy now and start living your life the dolce vita way.

  • The 9 Most Beautiful Towns in Italy

    We would like to share a secret with you: the 9 most beautiful towns and villages in Italy.

  • What makes Italy Special and Unique?

    Discovered, 20 things which make Italy special and unique? Be it a tiny village of cobbled lanes or dinner at a tiny restaurant in a medieval hilltop town you will find the best of Italy here...

  • 1 Euro Houses in Italy

    Have you read about the 1 Euro houses in Italy? Would you like to buy one? We have everything you need to know!

  • THE Italian Bucket List

    The essential Italian Bucket List - 11 things you have to do before you die. Number two on the list is the one I love most.

  • So Typically Italian - The 15 that Top the List

    Even when far away from Italy there are 15 things that are typically Italian, reminding me of Italy whenever I encounter them. They make me long to return and some of them even reduce me to tears.

  • The Best of Italy - 12 Things You Must Do!

    12 ways to experience the best of Italy. No museums here, just essential experiences that will stay with you forever

  • The 5 Best Cities in Italy

    These are the 5 Best Cities in Italy. Cities of ancient mystery where medieval history and vibrant avenues of excited Armani clad Italians meet.

  • Images of Italy

    I look at these gorgeous images of Italy and I feel like crying. I feel I am right there, I can hear the chaos of the piazza, the smell of jasmine...

  • Christmas in Italy? Everything You Need is Here!

    Planning a Christmas in Italy? I have everything you need - advice on Italian Christmas traditions, insider tips, weather, great value accommodation picks and a guide to the best restaurants.

  • 6 Places to See near Venice

    These 6 places to see near Venice are awesome. If you're visiting Venice don't miss out on seeing them.

  • The Best Luxury Hotels in Venice Italy

    Which is the best of all the luxury hotels in Venice Italy? Read my insider’s guide and discover the answer. Awaiting you are not only the five best Venetian luxury hotels but...

  • The Veneto & Venice Itinerary

    Visiting Venice? Want to explore a little of the wonderful Veneto region in which Venice is located? Then our Veneto & Venice Itinerary is just what you need.

  • THE Guide to Car Hire in Venice Italy

    The Car Hire in Venice Italy Guide explores some of the better car rental options available in Italy and offers some invaluable tips.

  • Discover your Paradise - The Beach Quiz

    A beach made in heaven just for you! Is it in Italy? Maybe. The beach quiz holds the answer...try it now!

  • Beautiful Photos of Italy

    A selection of the most beautiful photos of Italy sent to us by our Facebook fans. A visual journey through the most incredible country on earth.

Please Book with Us...

Maria here, if you enjoy my site and Facebook page I'd love your support.

Simply book your next trip anywhere (not only to Italy) with the search box below or with any of the hotel links on the website.

I promise you'll get the best deal on accommodation available and the income we receive from HotelsCombined helps us to:

  • Stay independent and to keep bringing you the best of Italy.
  • Never have to accept money from hotels directly; that way we can share only those we genuinely love.

Recent Articles

  1. I'm SO Sorry

    The National Museum in Rome recently received a strange package from the USA. Opening it they were shocked to find a piece of ancient marble inscribed "to Sam, love Jess, Rome". What was this? A lette…

    Read More

  2. Summer in Italy... and Christmas too?

    Ever experienced a summer or Christmas in Italy? Well, we've a way that you can bring that joy and happiness home with you...

    Read More

  3. Civita di Bagnoregio

    The village where time has stood still. Not even a car is to be found in this medieval hilltop gem called Civita di Bagnoregio

    Read More

  4. The Enchanting South of Italy

    What is it about the south of Italy that makes it so special. This story will provide the answer....

    Read More

  5. Southern Italy

    Read More

New! Comments

Have your say about what you just read! Leave me a comment in the box below.