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 but that is way easier than the insurance side of things. Read on to find out why...

If you’re thinking about taking out a home insurance policy in Italy, my best advice is to proceed with caution.

Italian insurance policies can be tricky to navigate. They often come with a mountain of small print, complex terms, and plenty of exclusions. Even when translated into English, these documents can be difficult to fully understand. And unfortunately, many homeowners find that Italian insurers are slow to pay out on claims—especially for holiday homes or for valuables kept inside the property.

Because of these challenges, many people choose to insure through their home country. 

Reasons Why Foreign Insurance May Be Easier

1) Unless you live permanently in Italy and are comfortable dealing with legal paperwork in Italian, arranging coverage through a company in your own country is usually easier and far less stressful.

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

3) From my experience, insurance companies in the UK and USA settle a lot quicker than their house insurance counterparts in Italy. I know people who are still waiting, after six years, for a vehicle insurance claim with an Italian company to be paid out.

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

What About Earthquake Cover?

Your Questions about Home Insurance in Italy

Legal Caveat: The following information is based on general knowledge about home insurance in Italy as of my last update. Insurance regulations and policies may change over time, so it is crucial to consult with a qualified insurance professional or legal advisor for the most current and accurate information.