Compare Home Insurance in Italy

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What is Home Insurance in Italy?

Home insurance (polizza casa) in Italy is a modular product protecting your dwelling and its contents, and usually your family's civil liability. Its historic core is incendio e scoppio (fire and explosion) cover on the building, but modern policies bundle theft, water damage, glass, and the widely valued RC capofamiglia (family third-party liability). Cover can protect owners or tenants and is normally written as an annual contract.

How the Italian market works

A major driver of home cover in Italy is the mortgage: when you take out a mutuo, the lending bank almost always requires an incendio e scoppio policy on the property as security for the loan. Beyond that mandatory fire cover, households add optional modules à la carte. Insurers sell these as configurable packages, so two “home” policies can look very different depending on which garanzie the customer switches on.

Key features

Incendio e scoppio — fire and explosion cover on the building, frequently required by the mutuo lender.

Furto — theft of contents, sometimes with limits based on security measures fitted.

RC capofamiglia — liability for damage you or your household (including children and pets) cause to third parties, in or outside the home.

Danni da acqua — water damage from leaks and burst pipes, a very common household claim.

Assistenza casa — a 24/7 home-emergency helpline sending a plumber, electrician or locksmith when something fails.

How to choose

Start by separating what the mutuo requires (usually just building fire cover) from what protects your everyday life (contents, liability, water damage). Match the building sum insured to rebuild cost and the contents massimale to what you actually own. Check franchigie and any anti-theft conditions, and consider adding earthquake cover (terremoto) if you live in a seismic zone — much of Italy is exposed, and this optional garanzia can qualify for a 19% tax deduction.

Leading providers in Italy

Leading home insurers include AXA Italia, Generali Assicurazioni, UnipolSai Assicurazioni, Zurich Italia and Allianz Italia, with Europ Assistance Italia strong on home-assistance services and Poste Italiane distributing simple modular cover through its branches. The digital broker Prima.it offers online quotes and packaged home policies, and many banks distribute a home policy alongside the mutuo, though buying cover separately is often cheaper than accepting the lender’s bundled option.

What it costs

Premiums are annual and depend on the property's size, location, construction and the modules selected. A basic mutuo-required fire policy can be very inexpensive, while a fully loaded package adding theft, water damage, liability and earthquake cover typically runs up to around €220 per year. Seismic zones, high-value contents and low franchigie push the premium toward the top of the range.

Protections and regulation

Insurers and intermediaries are supervised by IVASS and listed on the RUI register. Optional catastrophe cover such as terremoto e calamità naturali attracts a 19% IRPEF detraibilità on the premium, an incentive introduced to raise Italy's low seismic take-up. Pre-contract DIP Danni and set informativo documents spell out exclusions and franchigie, and disputes can be escalated to IVASS after the insurer's own complaints process.

Common questions

Is home insurance compulsory in Italy? Not by law, but your mutuo lender will require incendio e scoppio cover on the property.

Is earthquake cover included automatically? No — terremoto is an optional add-on, though it benefits from a 19% tax deduction.

Does RC capofamiglia cover damage away from home? Typically yes — it follows the family's everyday liability, not just incidents inside the house.

Home Insurance in Italy — FAQ