Home Insurance Plans
Compare the Basic 1, Basic 2 and Advanced home-insurance programmes. The original product page includes detailed comparisons of insured perils, deductibles and gross premium rates; the numerical limits and amounts are preserved in the source tables.
Covered Risks
Depending on the selected programme: fire (including forest fire), lightning, explosion, smoke, impact by vehicles, aircraft or falling trees and poles, short circuit (up to €3,000), strikes, riots, terrorism, malicious acts, burglary-related building damage (up to €2,000), debris removal (up to €3,000), glass breakage (up to €3,000), removal and alternative accommodation expenses (up to €5,000), loss of rent (up to 12 months and €5,000), third-party and family liability (up to €1,000,000 per event), mortgage instalment protection (up to nine months and €600 per month), earthquake, storm and flood, escape of water, oil leakage, theft, accidental damage, solar installations, sanitary facilities, professional fees, subsidence, valuables, refrigerated food spoilage, bicycles, cash, excess water bills, domestic employee accidents, accidental death, locks, fine art and jewellery.
Deductibles and Premiums
General deductible: Basic 1 and Basic 2 — none shown; Advanced — €250. Short circuit: €150. Escape of water/weather events: 5% of the loss, minimum €500, where provided. Accidental damage: Advanced €1,000. Earthquake and subsidence/landslip: 2% of the sum insured, minimum €2,000.
Gross premium rates per €1,000 sum insured — buildings: Basic 1 €1.75, Basic 2 €1.95, Advanced €2.286; contents: Basic 1 €1.75, Basic 2 €1.95, Advanced €2.838. Fine art (Advanced): €4.900. Jewellery inside the insured home (Advanced): €16.326. Minimum gross premiums: €125, €155 and €220 respectively.
Mediterraneo Island Rates
The Basic 1, Basic 2 and Advanced programmes have reduced Mediterraneo gross premium rates in the islands: 10% reduction for Crete and Kefalonia and 20% for the other islands.
Full programme cover comparison
All coverage and premium figures below are retained from the Greek source. Greek wording is shown beneath approximate English labels wherever terminology requires confirmation. Historical product terms must be checked before use.
Original programme comparison – table 1
| INSURED RISKS |
Basic 1 |
Basic 2 |
Advanced |
|---|---|---|---|
| Fire, including forest fire, lightning, explosion and smoke |
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| Vehicle impact |
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| Impact by aircraft, falling trees, telegraph and electrical poles |
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| Short circuit (limit EUR 3.000) | |||
| Civil commotion, strikes, terrorism, malicious acts |
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| Damage to the building caused by theft or attempted theft (limit €2,000) |
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| Debris removal (limit EUR 3.000) |
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| Breakage of mirrors and glass (limit €3,000) |
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| Moving and temporary accommodation expenses (limit €5,000) |
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| Loss of rent following an insured event, up to 12 months (limit €5,000). |
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| Third-party and family liability (limit €1,000,000 per event) |
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| Mortgage instalment protection (up to 9 months and a maximum of €600 per month). |
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| Earthquake |
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| Windstorm, flood, storm, hail or weight of snow |
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| Damage to the building caused by water leakage or freezing in permanently installed tanks, appliances or pipes. |
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| Coverage / condition |
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| Damage to domestic heating-oil pipes, underground water-supply pipes, underground drains and underground natural-gas pipes. |
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| Theft or attempted theft |
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| Damage to solar collectors |
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| Damage to sanitary installations |
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| Coverage / condition |
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| Subsidence, landslip |
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| Loss of valuables and personal belongings (up to €1,500 unless otherwise stated in the table). |
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| Cost of replacing food in the refrigerator or freezer spoiled by a change in temperature (limit €150). |
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| Repair or replacement of bicycles following theft or attempted theft (limit €500). |
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| Loss of money (limit €300) |
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| Cover for increased water bills caused by a leak (limit €1,000) |
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| Accidental damage (up to €2,500 for fragile items unless an itemised schedule is provided) |
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| Accident to domestic staff (limit €150,000 per event) |
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| Fatal bodily injury to the insured following fire or robbery (limit €15,000). |
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| Lock replacement expenses (limit €500). |
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| Cover for works of art and jewellery |
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Original programme comparison – table 2
| Coverage / condition |
Basic 1 |
Basic 2 |
Advanced |
|---|---|---|---|
| Coverage / condition |
– |
– |
250 € |
| Short circuit |
150 € |
150 € |
150 € |
| Coverage / condition |
– |
5% of the loss, minimum €500 |
5% of the loss, minimum €500 |
| Coverage / condition |
– |
– |
1.000 € |
| Earthquake |
2% of the sum insured, minimum €2,000 |
2% of the sum insured, minimum €2,000 |
2% of the sum insured, minimum €2,000 |
| Coverage / condition |
2% of the sum insured, minimum €2,000 |
2% of the sum insured, minimum €2,000 |
2% of the sum insured, minimum €2,000 |
Original programme comparison – table 3
| GROSS PREMIUM RATE |
Basic 1 |
Basic 2 |
Advanced |
|---|---|---|---|
| Building |
€1.75 per €1,000 sum insured |
€1.95 per €1,000 sum insured |
€2.286 per €1,000 sum insured |
| Contents |
€1.75 per €1,000 sum insured |
€1.95 per €1,000 sum insured |
€2.838 per €1,000 sum insured |
| Coverage / condition |
– |
– |
€4.900 per €1,000 sum insured |
| Coverage / condition |
– |
– |
€16.326 per €1,000 sum insured |
| Coverage / condition |
125 € |
155 € |
220 € |