Tool
ENFIA discount
How much do I save on ENFIA with home insurance?
Cover against earthquake, fire and flood cuts the ENFIA property tax on a home by up to 20%. See how much, and what the cover you need costs.
- Insurance against earthquake, fire and flood cuts the ENFIA of the home by 20% if its taxable value is up to €500,000, and by 10% above that.
- For an ENFIA of €250 and cover all through the year before, the discount is €50.
- The cover must have run at least 3 months and cover at least €900 per square metre.
Calculate
The conditions
The discount goes to a natural person with a right to a home listed in their Ε9 return. The cover must meet all of the following:
- It is with an insurer in the register of the Bank of Greece.
- It covers earthquake, fire and flood together. If one of the three is missing, there is no discount.
- It was in force for at least 3 months in the previous year. For the ENFIA of 2026, 2025 counts.
- It covers the whole rebuilding value, which decision Α.1005/2026 sets at €900 for each square metre of the main rooms, for the ENFIA of 2026. For 100 m², the insured value must be at least €90,000. For the ENFIA of 2027 the same decision says €1,000 per square metre today, unless a new one follows.
The discount is 20% of the ENFIA of the home if its taxable value is at most €500,000, and 10% if it is higher. If the cover was in force for less than a year, the discount shrinks in proportion.
How to claim it
Insurers send the tax authority the home policies with earthquake, fire and flood. You apply in the tax authority’s myPROPERTY service, and the discount appears in the first ENFIA assessment. For the ENFIA of 2026, applications closed on 16 February 2026.
If the discount is not in the assessment, you ask your tax office for it through myAADE, under “My Requests”, with form Δ500.
In 2025, 359,494 owners took an ENFIA discount for 502,597 insured properties, and 250,000 of them took the full 20%.
What cover you need
In the comparison, the «With earthquake» package covers all three perils. Enter at least the rebuild value as the value of the building. Earthquake has no public average, so you ask the companies of the comparison for it. The comparison for the package with earthquake. Work out the rebuild value.
How we work it out
The discount is the ENFIA of the home times 20%, or times 10% above €500,000 of taxable value, times the months of cover divided by 12. Under 3 months it is nil. The least sum insured is the square metres of the main rooms times €900.
«After the discount» is the premium you enter, minus the discount. No company publishes a price for the cover of each home against earthquake, fire and flood. The rules are those of the guide of the ΑΑΔΕ of January 2026. Always check the tax authority’s guidance for your year. How we calculate.
Sources
- Decision Α.1005/2026 (Government Gazette Β΄ 86/14.01.2026): the rebuild value for the ENFIA discount, 1,000 € or 900 € per square metre for the years 2024 to 2026, 14 January 2026
- Law 5162/2024, article 10: ENFIA and state aid for insured homes, 2024
- Capital.gr: how to lock in an ENFIA cut of up to 20%, a detailed guide from the Independent Authority for Public Revenue (ΑΑΔΕ), 16 January 2026
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Frequently asked questions
What people usually ask
01 Who gets the discount?
The owner, a natural person, with a right on a home in their E9 form, if the home was insured against earthquake, fire and flood together, with an insurer in the register of the Bank of Greece.
02 Is cover against fire alone enough?
No. All three risks are needed together: earthquake, fire and flood. If one is missing, no discount is given.
03 What if the cover ran only a few months?
From 3 months up the discount is given in proportion to the months: six months give half of it. Under 3 months it is not given.
04 How do I apply?
In the myPROPERTY application of the tax authority, where you declare the policy for the home. For the ENFIA of 2026 the application closed on 16 February 2026. If the discount does not reach the tax notice, you ask your tax office for it with form D500.
05 What sum must I insure the home for?
For the whole rebuild value, which decision Α.1005/2026 sets at least at €900 per square metre of the main rooms, for the ENFIA of 2026. For 100 m², at least €90,000. For the ENFIA of 2027 the same decision says €1,000 today, unless a new one follows.