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Home insurance
The reference case costs from €125 to €151 depending on the company. From there, 4 tables with 18 bands in all raise or lower the price - the same steps at every company, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Floor area (m²)
- 95
- Year built
- 1,996
- Floor
- 2nd floor
- Building value (€)
- 130,000
- Contents value (€)
- 25,000
- Postcode
- no postcode: the rural mainland
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. | €98Hellas Direct | €119Allianz Ευρωπαϊκή Πίστη | +21%19 companies |
| Full, without earthquakeAdds theft, water damage and bad weather. · the reference tier | €125Hellas Direct | €151Allianz Ευρωπαϊκή Πίστη | +20%19 companies |
| With earthquakeAdds earthquake as well. | €287Hellas Direct | €340Allianz Ευρωπαϊκή Πίστη | +18%19 companies |
The factors
The same bands at every insurer, different 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 behind the figure
| 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 behind the figure
| 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 behind the figure
| 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 behind the figure
| 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 declared sums
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 |
|---|---|---|---|
| Buildings, 0.1% on €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 |
| Contents, 0.1% on €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% on €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 |
|---|---|---|---|---|
| Glass breakageGlass panels, mirrors, shopfronts. Cheap, and it gets used. | 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 |
| Valuables and jewelleryBeyond 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 |
| Liability towards third partiesWhen 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. A few euros, and the one cover you will probably use this year. | - | €20Hellas Direct | €28Allianz Ευρωπαϊκή Πίστη | +40%19 companies |
Minimum premium: from €26 to €35 depending on the company. No price falls below its own.