Home insurance: what each insurer offers

We read the documents on 18 October 2026. “Not stated” means that we did not find it in a public document of the company, not that the company does not give it. Ask the company before you decide.

• Which insurers cover the contents alone, for a tenant?
• How much liability to others does each insurer give in home insurance?
• Which insurers pay for a theft with no signs of a break-in?
• What is the earthquake excess at each insurer?
• How long can the home stay empty at each insurer?
• Up to how much does each insurer pay for broken glass in the home?

Which insurers cover the contents alone, for a tenant?

12 of the 19 companies give it, as their documents state:

• Hellas Direct: Yes (the document, in Greek)
• Anytime: Yes (the document, in Greek)
• Interasco: Yes (the document, in Greek)
• Intersalonika: Yes (the document, in Greek)
• Atlantiki Enosi: Yes (the document, in Greek)
• Syndea: Yes (the document, in Greek)
• Orizon: Yes (the document, in Greek)
• Generali: Yes (the document, in Greek)
• Eurolife FFH: Yes (the document, in Greek)
• Interamerican: Yes (the document, in Greek)
• Allianz Europaiki Pisti: Yes (the document, in Greek)
• Interlife: Yes (the document, in Greek)

Not stated in their public documents: Ydrogios, Minetta, Personal Insurance, ERGO, Ethniki Asfalistiki, Europe Insurance and Groupama.

How much liability to others does each insurer give in home insurance?

7 of the 19 companies state it in public:

• Hellas Direct: up to €30,000 (the document, in Greek)
• Anytime: fire liability up to 50% of the sum, general up to 25% (the document, in Greek)
• Ydrogios: fire liability up to 50% of the sum, family liability up to 20% (the document, in Greek)
• Intersalonika: up to 20% of the sum, excess €400 (the document, in Greek)
• Syndea: up to 50% of the sum, at most €250,000 (the document, in Greek)
• Allianz Europaiki Pisti: family liability up to €30,000 (the document, in Greek)
• Interlife: to next buildings up to €20,000, family liability up to €15,000 (the document, in Greek)

Not stated in their public documents: Interasco, Minetta, Atlantiki Enosi, Orizon, Personal Insurance, ERGO, Generali, Eurolife FFH, Ethniki Asfalistiki, Interamerican, Europe Insurance and Groupama.

Which insurers pay for a theft with no signs of a break-in?

6 of the 19 companies give it, as their documents state:

• Interasco: Yes (the document, in Greek)
• Minetta: Yes (the document, in Greek)
• Ethniki Asfalistiki: Yes (the document, in Greek)
• Interamerican: Yes (the document, in Greek)
• Interlife: Yes (the document, in Greek)
• Groupama: Yes (the document, in Greek)

Excluded by: Hellas Direct, Anytime, Ydrogios, Intersalonika, Atlantiki Enosi, Orizon, Personal Insurance, ERGO, Eurolife FFH, Allianz Europaiki Pisti and Europe Insurance.

Not stated in their public documents: Syndea and Generali.

What is the earthquake excess at each insurer?

19 of the 19 companies state it in public:

• Hellas Direct: 2% of the sum (the document, in Greek)
• Anytime: 2% of the sum (the document, in Greek)
• Interasco: 2% (the document, in Greek)
• Ydrogios: Yes (the document, in Greek)
• Minetta: Yes (the document, in Greek)
• Intersalonika: 2% of the sum (the document, in Greek)
• Atlantiki Enosi: Yes (the document, in Greek)
• Syndea: Yes (the document, in Greek)
• Orizon: 2% of the sum (the document, in Greek)
• Personal Insurance: Yes (the document, in Greek)
• ERGO: Yes (the document, in Greek)
• Generali: Yes (the document, in Greek)
• Eurolife FFH: Yes (the document, in Greek)
• Ethniki Asfalistiki: Yes (the document, in Greek)
• Interamerican: 2% or 4% of the sum, by choice (the document, in Greek)
• Allianz Europaiki Pisti: 2% of the sum (the document, in Greek)
• Interlife: Yes (the document, in Greek)
• Europe Insurance: Yes (the document, in Greek)
• Groupama: Yes (the document, in Greek)

How long can the home stay empty at each insurer?

9 of the 19 companies state it in public:

• Hellas Direct: 90 days (the document, in Greek)
• Anytime: 90 days (the document, in Greek)
• Minetta: 45 days, for theft (the document, in Greek)
• Orizon: 45 days (the document, in Greek)
• ERGO: 45 days, 90 for a holiday home (the document, in Greek)
• Eurolife FFH: 90 days (the document, in Greek)
• Interlife: 90 days (the document, in Greek)
• Europe Insurance: 30 days (the document, in Greek)
• Groupama: 2 months, for theft (the document, in Greek)

Not stated in their public documents: Interasco, Ydrogios, Intersalonika, Atlantiki Enosi, Syndea, Personal Insurance, Generali, Ethniki Asfalistiki, Interamerican and Allianz Europaiki Pisti.

Up to how much does each insurer pay for broken glass in the home?

19 of the 19 companies state it in public:

• Hellas Direct: up to 3% of the sum (the document, in Greek)
• Anytime: up to 5% of the sum, in Premium (the document, in Greek)
• Interasco: Yes (the document, in Greek)
• Ydrogios: up to €1,000 a claim, €1,500 a year (the document, in Greek)
• Minetta: Yes (the document, in Greek)
• Intersalonika: up to €2,000, excess €200 (the document, in Greek)
• Atlantiki Enosi: Yes (the document, in Greek)
• Syndea: up to €3,000 (the document, in Greek)
• Orizon: Yes (the document, in Greek)
• Personal Insurance: Yes (the document, in Greek)
• ERGO: Yes (the document, in Greek)
• Generali: Yes (the document, in Greek)
• Eurolife FFH: Yes (the document, in Greek)
• Ethniki Asfalistiki: Yes (the document, in Greek)
• Interamerican: Yes (the document, in Greek)
• Allianz Europaiki Pisti: up to €1,500 (the document, in Greek)
• Interlife: up to €1,000, in Complet and Super (the document, in Greek)
• Europe Insurance: Yes (the document, in Greek)
• Groupama: Yes (the document, in Greek)

Compare the estimates for the same insurance