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Home insurance the way it should be

Home insurance done right: fair, simple, and tailored to your needs. And it’s just a phone call away.

Call us to build it together 212 222 9999
Mon-Fri, 09:00-21:00
20% reduction on your property tax
15% off when you bundle with car insurance
No hidden fees, no confusing terms
Get compensated for your home’s full value not just a portion of it
First step - Give us a call
Second step - Choose your plan
Third step - Share your details
Fourth step - Pick your payment method

Sign up online in just a few minutes

1. Give us a call at 212 222 9999

Let’s discuss the perfect coverage for you.

2. Choose your plan

Select your insured amount and the coverage that suits you best-quick and easy over the phone.

3. Share your details

We only need a few basic details about you and your home.

4. Pick your payment method That’s it!

Let us know how you’d like to pay, and you’re all set.

Find the insurance that truly covers you

We’ve designed plans to fit every need while helping you save 20% on your ENFIA tax.
AllContentBuildingBuilding & Content
Content Content insurance for your owned or rented home
Fire

We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned.

Explosion, lightning

We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

Forest fire

We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

Natural phenomena

We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

Smoke damage

We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

Firefighting expenses and damage from firefighting

We cover any expenses you may need to extinguish a fire affecting insured items.

Aircraft impact

We cover you for damages from the crash of an aircraft or objects falling from it.

Vehicle collision

We cover you for damages from vehicle collisions with your home and its fences.

Falling trees, branches, poles

We cover you for damages from falling trees, branches, poles, and antennas.

Civil commotions, strikes, riots, disturbances

We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

Terrorist acts

We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

Malicious acts

We cover you for damages from any malicious act against you by third parties.

Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

Damage to the pipes themselves & investigative work

We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

Theft of contents following burglary/robbery

We cover you for items stolen from your home by burglars and for any damage they may cause even if nothing is stolen. To be covered, there must be visible signs of tampering, burglary, or climbing, you must notify the police within 24 hours, and if the home is unoccupied, you must have an alarm and any other security measures in place and maintain them according to the manufacturer's instructions.

Easy Basic building insurance to keep your home protected
Fire

We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned.

Explosion, lightning

We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

Forest fire

We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

Smoke damage

We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

Firefighting expenses and damage from firefighting

We cover any expenses you may need to extinguish a fire affecting insured items.

Aircraft impact

We cover you for damages from the crash of an aircraft or objects falling from it.

Vehicle collision

We cover you for damages from vehicle collisions with your home and its fences.

Falling trees, branches, poles

We cover you for damages from falling trees, branches, poles, and antennas.

Civil commotions, strikes, riots, disturbances

We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

Terrorist acts

We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

Malicious acts

We cover you for damages from any malicious act against you by third parties.

Natural phenomena

We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

Damage to the pipes themselves & investigative work

We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

Third-party liability due to covered risks

We cover you for damages to third parties resulting from fire, explosion or pipe leaks in water supply, heating, air conditioning, and sewage, for which a court has ruled you must provide compensation. All of these damages must be covered under the terms of the policy.

Breakage of glass

We cover you for accidental breakage of glass in external or internal frames, as well as any other glass surfaces in the building. We also cover the installation costs.

Most popular
Core Building insurance that protects you from earthquakes
Fire

We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned."

Explosion, lightning

We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

Forest fire

We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

Smoke damage

We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

Firefighting expenses and damage from firefighting

We cover any expenses you may need to extinguish a fire affecting insured items.

Aircraft impact

We cover you for damages from the crash of an aircraft or objects falling from it.

Vehicle collision

We cover you for damages from vehicle collisions with your home and its fences.

Falling trees, branches, poles

We cover you for damages from falling trees, branches, poles, and antennas.

Civil commotions, strikes, riots, disturbances

We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

Terrorist acts

We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

Malicious acts

We cover you for damages from any malicious act against you by third parties.

Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

Damage to the pipes themselves & investigative work

We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

Earthquake

We cover you for damages to your home and its contents caused by an earthquake and/or fire resulting from an earthquake, provided the property was constructed from 1960 onwards and is in compliance with the seismic regulations.

Subsidence – Landslide

We cover you for damages to your home caused by land subsidence, landslides, or land uplifting.

Max For those who want both building and contents in one package
Fire

We cover you for damages caused by an uncontrollable fire, meaning a fire that spread from an unknown source or one caused by a short circuit. We will also cover the short-circuited item that was burned."

Explosion, lightning

We cover you for damages caused by lightning, as well as damages from explosions, whether physical or chemical, even if no fire followed, occurring inside or outside your home.

Forest fire

We cover you for damages from fire (accidental or intentional) in forests, clusters of trees and shrubs, meadows, and pastures, or from land clearing by fire. The forest fire coverage starts 7 days after the starting date of the policy.

Smoke damage

We cover you for damages from fire smoke or from smoke that escaped from heating, drying, or cooking installations inside your home.

Firefighting expenses and damage from firefighting

We cover any expenses you may need to extinguish a fire affecting insured items.

Aircraft impact

We cover you for damages from the crash of an aircraft or objects falling from it.

Vehicle collision

We cover you for damages from vehicle collisions with your home and its fences.

Falling trees, branches, poles

We cover you for damages from falling trees, branches, poles, and antennas.

Civil commotions, strikes, riots, disturbances

We cover you for damages arising from disturbances of public order by individuals or groups, organised or not, as well as damages that may result from their suppression by the authorities.

Terrorist acts

We cover you for damages directly or indirectly related to terrorist acts or persons connected with terrorist organisations.

Malicious acts

We cover you for damages from any malicious act against you by third parties.

Natural phenomena

We cover you for damages caused by flood, storm, gale, hail, snow, and frost. Coverage for natural phenomena begins 7 days after the starting date of the policy.

Leakage from water supply, heating, air conditioning, and sewage pipes (and water extraction costs)

We cover you for damages from breakdowns, leaks, and overflows of pipes, tanks, water supply installations, central heating, air conditioning, solar heaters, and sewage. We also cover water extraction costs up to €1,500 within your home, as well as damages to your holiday home, provided the main water valve is turned off while you are away for more than 30 days.

Damage to the pipes themselves & investigative work

We cover expenses up to €3,000 for locating, repairing, or replacing pipes if the damage is covered under the terms of pipe leakage coverage for water supply, heating, air conditioning, and sewage.

Third-party liability due to covered risks

We cover you for damages to third parties resulting from fire, explosion or pipe leaks in water supply, heating, air conditioning, and sewage, for which a court has ruled you must provide compensation. All of these damages must be covered under the terms of the policy.

Theft of contents following burglary/robbery

We cover you for items stolen from your home by burglars and for any damage they may cause even if nothing is stolen. To be covered, there must be visible signs of tampering, burglary, or climbing, you must notify the police within 24 hours, and if the home is unoccupied, you must have an alarm and any other security measures in place and maintain them according to the manufacturer's instructions.

Add the extras you actually need

We know peace of mind is priceless, so we’ve made it easy to add optional coverages to any program. Just select what you need, and we’ll add it right to your quote.

Download our information document (PDF)
Earthquake

We cover you for damages to your home and its contents caused by an earthquake and/or fire resulting from an earthquake, provided the property was constructed from 1960 onwards and is in compliance with the seismic regulations.

Subsidence – Landslide

We cover you for damages to your home caused by land subsidence, landslides, or land uplifting.

Download our information document (PDF)
Flexipay home

FlexiPay for instalments without a credit card

Why not split your insurance cost into 12 instalments with your debit card? No loans, no commitments, no worries.
Call us at 212 222 9999
ENFIA Promo

Get up to 20% discount on your property tax

With every home insurance program from us you can get the property tax discount.
Call us at 212 222 9999

We settle claims faster than anyone else

We know that the one thing you need is fast compensation.
Fast claims
Without small print
24-hour contact
We notify you with any updates
See how we do it

Don’t just take our word for it

March 2023

Fast service, friendliness. All companies, not just insurance companies, should have it as a model.

George P.
March 2023

I have been a HAPPY customer since 2014! HD people are our friends, not just partners!

J F.
Jan. 2023

There is no insurance company in Greece like this one. They are alone and there are the others.

Stavros P.
Jan. 2023

The insurance company that came from the future.

Aggelos Ο.
March 2023

I have been insured for many years. When you need them they are there. Polite, helpful and informed!

Constantinos M.
March 2023

Thank you for always being there and of course I am not changing insurance, you are professionals!

Nektarios T.

Frequently asked questions

If it is an apartment we are talking about, this includes common areas and facilities such as boiler rooms, lifts, etc.

Finally, the building also includes:

  • Garage
  • Warehouses
  • Fences
  • Swimming pools
  • Tanks
  • Antennas
  • Awnings
  • Solar water heaters
  • Permanent and legal attachments
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Items that are in the house, in a common area and in storage, such as:

  • Furniture
  • Electrical appliances
  • Clothes
  • Shoes
  • Air conditioners
  • Lighting fixtures

For all these to be considered as content, however, they must be for domestic and not professional use. Finally, we do not cover valuables as content.

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Valuable objects or objects of value are:

  • Objects made of porcelain, crystal or precious metal.
  • Works of art such as sculptures, pictures and rare books
  • Instruments, both musical and scientific
  • Collections such as stamps, medals or coins
  • Jewellery such as pearls or precious stones
  • Relics such as clocks, weapons, furs or manuscripts
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If you are an individual and your home insurance meets the requirements, the discount will automatically be applied to next year's property tax. For example, if you insured your home in 2024 for more than 3 months, the property tax that you will pay in 2025 for that home will be reduced. If your insurance does not qualify, you can choose one of Hellas Direct's home insurance plans.

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The insurance should cover 100% of the value of the house, which should be at least €1000/sqm.
When we say house value we mean the reconstruction value of the house, not counting the value of the land. For the calculation of the discount the taxable square metres will be used, evidenced by the property register and the E9.

The insurance must be valid for at least 3 months and include earthquake, fire and flood coverages.
If the duration of the home insurance is less than 1 year, the property tax discount will be adjusted proportionally.

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Let's create your new home insurance together.

Mon-Fri, 09:00-21:00

212 222 9999

Need help? We certainly have our ways!

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