Homeowners and Building Insurance in Italy

No, homeowners or building insurance it’s not legally required in Italy.

However, it’s a smart choice to consider. It provides valuable peace of mind by safeguarding your house, property, and belongings against unexpected events like theft, fire, flood and other natural disasters, accidents, and liability.

Yes, our home and building insurance can cover your holiday home in Italy.

No, renovations and home improvements are not covered by your homeowners insurance. It’s important to inform us about any renovations you make to ensure adequate protection for your updated home.

Yes, our homeowners insurance policy includes third party liability coverage so you have peace of mind should someone get injured on your property.

The specific natural disaster related coverage depends on where you live. Please discuss your needs with our agents and they will be able to confirm the details for you.

Yes, you can request to add flood insurance to your policy.

If you work from home, you can add your home office equipment to the contents list with a value. However, if you have a business that is registered at your home’s address, then you will need a separate policy.

“Loss of use” coverage, also referred to as “additional living expenses” coverage, is an add-on option for your homeowners and building insurance in Italy. It helps reimburse you for the costs incurred while residing elsewhere if your insured property becomes uninhabitable due to a covered event. These expenses may include temporary hotel accommodation while your home is undergoing repairs or reconstruction following a covered incident, such as a fire or natural disaster.

Contents coverage” in homeowners insurance refers to the protection provided for your personal belongings and possessions within your home. This coverage helps reimburse you for losses or damages to items such as furniture, electronics, clothing, and other valuables due to covered events.

The cost of homeowners insurance in Italy varies based on many factors such as the type and age of home you have, the location, the value or reconstruction, size of the property, coverage options, and your individual circumstances. It’s recommended to request a quote to get a precise estimate for your specific needs.

No, existing homeowners insurance coverage cannot be applied to a new home. Please request a quote for your new property to ensure it is properly protected.

Italian home insurance may not cover damages caused by certain natural disasters like earthquakes, in some parts of the country. It’s important to review your policy to understand its specific exclusions.

All Italy homeowners insurance related claims can be submitted via filling out our claims form or by emailing us at claims@clements.com.