Are you considering purchasing a holiday home in the ancient land of Greece? If so, you’ll first want to familiarise yourself with what holiday home insurance is required. And that’s precisely what you’ll find us discussing on this page.
We can help you find suitable insurance for your needs, tailoring cover to the risks associated with your property and location. So, whether you’re eyeing up a property in Athens or a villa on the shores of Corfu, our cover can help keep you and your home safe throughout the seasons.
Keen to rent out your bolt hole in the sun? It may also be worth exploring Intasure’s holiday let insurance.
There are several insurance packages to choose from that provide different levels of cover. To find out more, click the button below or give us a call.
What is holiday home insurance Greece?
Holiday home insurance is like the cover held on a primary residence, but with a few key differences. That’s because holiday homes can often be left unoccupied for prolonged periods. As such, you may want a policy that keeps your home safe when you’re not there. For example, if there’s a leak in the roof or a burst pipe, you may want insurance to step in when you can’t. Greece holiday home insurance can cover the risks of unoccupancy which are common to this type of property.
What does holiday home insurance Greece cover?
Holiday home insurance can protect your property and finances in several situations. For instance, combined buildings and contents insurance is offered as standard and can safeguard against damage to your property’s structure as well as the contents inside. We also offer other cover, such as public liability and emergency travel costs.
Buildings and contents insurance
Buildings and contents insurance can protect your finances against damage or loss caused to the structure of any building on your property and can safeguard against damage or loss to the contents inside your property. This standard form of insurance can also cover the loss of cash from within your property after a theft. And if you rent your second property out to holidaymakers, the policy can financially protect paying guests against theft of money following an insured claim. Here’s what else building and contents cover insures against*:
- Damage to buildings or contents due to natural disasters, such as storms, fires, or lightning.
- Escaped water, sewage, or oil from household appliances, such as washing machines and dishwashers.
- Physical loss or damage directly caused by smoke, riot, malicious damage, storms, floods, and hail.
- Theft of personal property, money, or valuables.
- Accidental damage to household goods such as fixed glass and sanitary fixtures
*Policy limits and exclusions may apply. Please see the policy wording for full details.
Public Liability Cover
Renting out your holiday home can be a great way to earn extra income. However, there are always risks — particularly when it comes accidental damage, theft, loss, injury, or illness. That’s why we can offer liability cover up to £5 million as standard. Following a claim, this insurance can cover costs associated with several incidents
Emergency Travel Costs Cover
Greece isn’t a million miles away, but if a disaster arises at your second property (for example, severe weather causes damage to the exterior of your property), you’ll probably want to return there as soon as possible. We also realise that travelling to Greece last minute isn’t cheap. That’s why our holiday home insurance can cover travel costs you incur. What’s more, if your home is unfit for occupants, our cover can also take care of the costs of temporary accommodation.
Loss of Rent Cover
In the event that your holiday home isn’t in a fit state for paying guests following a claim, loss of rent cover steps in. It can protect your finances if any confirmed bookings are cancelled, helping you reap the benefits of your original rental schedule.
Typically, holiday homes don’t have year-round occupants. So, opt for Intasure, and you’ll have protection whether your property is occupied or left vacant. We also cover for loss of metered oil or water for up to 60 days.
Optional cover for lost or stolen keys
Keys are easy to lose. But don’t worry about not having access to your property, as we also offer optional lost or stolen keys cover.
What types of properties can be covered?
Whether you own a traditional farmhouse high up in the Greek hills or a seaside villa on the trendy island of Mykonos, Intasure has you covered. Here is a list of the types of properties in Greece we can arrange insurance for:
- Villas (including pools and outbuildings)
- Houses and bungalows
How much does holiday home insurance Greece cost?
- Size of your property – properties with more extensive square footage are likely to attract higher premiums.
- Age and condition of your property – buildings in good shape that require little renovation are viewed as less risky than old properties.
- The contents within your property – if your holiday home is full of valuable objects, you can expect higher premiums.
- Facilities on your property’s land – dwellings with extras like outbuildings, swimming pools, or hot tubs typically receive higher insurance costs.
Why choose Intasure?
Intasure are well versed in Greece’s local housing rules and regulations, which allows us to adapt our policies when needed.
You can also expect:
- Specialist knowledge of insuring properties in Greece.
- Understanding of the laws and tax requirements.
- Bespoke policies, tailored to the level of cover you need.
- Up to £1 million buildings cover and £5 million public liability.
Intasure are UK based. And our customer service team all speak fluent English. This means there’s no misunderstanding when inquiring about intricate property-related or regulatory issues.
If you would like to learn more, please give us a call or click below to get a quote.
Holiday Home Insurance Greece FAQs
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.