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 might like 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.

  • 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...

  • 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.

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. The Best Three and Four Star Hotels in Venice Italy

    Which are the best three and four star hotels in Venice Italy? These are my picks. P.S. I include only hotels which I can recommend with confidence - you won't find any long lists like on other big si…

    Read More

  2. Venice Italy Vacation Rentals

    Venice vacation rentals, the best way to really live the city & feel like a local. I love going to the outdoor market, coming home laden with local produce & great wine to cook up a pasta dish.

    Read More

  3. 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.

    Read More

  4. Shopping in Venice - The Guide

    Shopping in Venice is wonderful but you can get lost in a maze of souvenir shops. You'll avoid that if you know where to go. Discover the best places to shop - from markets to designer stores.

    Read More

  5. The Venice Food and Recipe Guide

    The Veneto and Venice Food and Recipe guide focuses on the great cuisine of this Italian region. We also share recipes and stories from elsewhere in Italy too: you simply have to try our Cannoli recip…

    Read More

New! Comments

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