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Home insurance
In our own estimate, the basic example costs from €145 to €179, depending on the company. From there, 4 tables with 18 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 19 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Floor area (m²)
- 95
- Year built
- 1996
- Floor
- 2nd floor
- Building value (€)
- 130000
- Value of furniture and belongings (€)
- 25,000
- Postcode
- no postcode - the average of Greece
- The reference tier
- Full, without earthquake
- €145 - €179
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| FireCovers fire and explosion. | €118Hellas Direct | €147Allianz Ευρωπαϊκή Πίστη | +25%19 companies |
| Full, without earthquakeAdds theft, water damage and bad weather. · the reference tier | €145Hellas Direct | €179Allianz Ευρωπαϊκή Πίστη | +23%19 companies |
| With earthquakeAdds earthquake as well. | €307Hellas Direct | €368Allianz Ευρωπαϊκή Πίστη | +20%19 companies |
The factors
Every insurer has the same bands, but its own coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.84 to × 1.16 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| after 2000 | × 0.84 | × 0.92 |
| 1985 - 2000 | × 1.00 | × 1.00 |
| 1960 - 1985 | × 1.08 | × 1.04 |
| before 1960 | × 1.16 | × 1.08 |
From × 1.00 to × 1.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 60 m² | × 1.00 | × 1.00 |
| 61 - 100 m² | × 1.00 | × 1.00 |
| 101 - 150 m² | × 1.00 | × 1.00 |
| 151 - 250 m² | × 1.00 | × 1.00 |
| over 250 m² | × 1.00 | × 1.00 |
From × 1.00 to × 1.08 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| ground floor or detached house | × 1.08 | × 1.04 |
| 1st - 3rd floor | × 1.00 | × 1.00 |
| 4th floor and above | × 1.00 | × 1.00 |
From × 1.00 to × 1.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Attica | × 1.00 | × 1.00 |
| Thessaloniki | × 1.00 | × 1.00 |
| Large cities | × 1.00 | × 1.00 |
| Rest of mainland Greece | × 1.00 | × 1.00 |
| Islands | × 1.00 | × 1.00 |
| Greece, national average | × 1.00 | × 1.00 |
Rates on the sums insured
Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.
| Cover | In tiers | Cheapest | Dearest |
|---|---|---|---|
| Building: 0.1% of €130,000on €130,000 | Covers fire and explosion., Adds theft, water damage and bad weather., Adds earthquake as well. | 0.56‰€72 · Hellas Direct | 0.64‰€84 · Allianz Ευρωπαϊκή Πίστη |
| Furniture and belongings: 0.1% of €25,000on €25,000 | Adds theft, water damage and bad weather., Adds earthquake as well. | 0.93‰€23 · Hellas Direct | 1.08‰€27 · Allianz Ευρωπαϊκή Πίστη |
| Earthquake: 0.1% of €155,000on €155,000 | Adds earthquake as well. | 1.02‰€158 · Hellas Direct | 1.18‰€183 · Allianz Ευρωπαϊκή Πίστη |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Broken glassGlass panels, mirrors, shopfronts. Check whether it has an excess. | Adds earthquake as well. | €15Hellas Direct | €21Allianz Ευρωπαϊκή Πίστη | +40%19 companies |
| Loss of rent / temporary accommodationPays the hotel or the rent while the house is uninhabitable. The cover nobody thinks of and everybody needs after serious damage. | - | €22Hellas Direct | €30Allianz Ευρωπαϊκή Πίστη | +36%19 companies |
| Jewellery and valuablesBeyond the limit of the basic contents cover. It needs an inventory with photographs; without one, the payout is cut at the limit. | - | €37Anytime | €48Allianz Ευρωπαϊκή Πίστη | +30%17 companies |
| Damage to others (liability)When your damage spreads to the neighbour: the classic burst water heater soaking the flat below. | Adds theft, water damage and bad weather.Adds earthquake as well. | €14Hellas Direct | €18Allianz Ευρωπαϊκή Πίστη | +29%19 companies |
| 24/7 home assistanceA plumber, an electrician, a locksmith with one phone call. | - | €20Hellas Direct | €28Allianz Ευρωπαϊκή Πίστη | +40%19 companies |
Minimum premium: from €26 to €35 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 7% to 8% more, and in four quarters 14% to 16%, by company.