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.

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!

Enter Your Title

Tell Us Your Story! [ ? ]

Upload 1-4 Pictures or Graphics (optional)[ ? ]

Add a Picture/Graphic Caption (optional)

Click here to upload more images (optional)

Author Information (optional)

To receive credit as the author, enter your information below.

Your Name	(first or full name)
Your Location	(e.g., City, State, Country)

Submit Your Contribution

Check box to agree to these submission guidelines.
I am at least 16 years of age.
I understand and accept the privacy policy.
I understand that you will display my submission on your website.

(You can preview and edit on the next page)

Click here to see the rest of the form and complete your submission.

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.

You'll Enjoy These...

Summer in Italy

Ever experienced a summer in Italy? Well, we've a way that you can bring the sunshine and happiness of an Italian summer home with you.
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
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?
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.
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.
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...

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.