Your Holiday Home in Italy Well Insured
Italy is the ultimate dream destination for one seconda casa. From the rolling hills of Tuscany to the trulli of Puglia, of the lakes of Lombardy to the spectacular Amalfi Coast.
In Italy, insuring a house is less obvious than in the Netherlands. Many Italians do not insure their homes. This means limited supply and often difficult claims handling. A Dutch holiday home insurance offers a solution: better All-risk coverage, Dutch service and faster claims handling.
Important: Italy is earthquake sensitive with an average of 16,000+ earthquakes per year. Our insurance usually covers earthquake damage.
Where is your holiday home located?
Tuscany & Umbria
Rolling hills, vineyards, olive groves and Renaissance art. The green heart of Italy.
Puglia & Southern Italy
Trulli, white villages, crystal clear water and authentic Italian atmosphere. Emerging destination!
Lakes & Northern Italy
Lake Como, Lake Garda, Lake Maggiore. Spectacular mountains and elegant villas.
🇮🇹 Also Insured in Other Regions
In addition to the popular regions, we insure holiday homes throughout Italy:
- ✓ Amalfi Coast & Campania: Positano, Ravello, Sorrento, Naples
- ✓ Liguria: Cinque Terre, Portofino, Italian Riviera
- ✓ Le Marche & Abruzzo: Authentic, pristine, affordable
- ✓ Sicily & Sardinia: Islands, beaches, culture
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning strike and soot deposits.
Earthquake (Terremoto)
Crucial in Italy: earthquake damage is usually included in the insurance.
Water damage
Leakage, pipe burst, precipitation and flood damage.
Furto con Scasso
Theft with signs of forced entry and vandalism by third parties.
Glass breakage
Breakage of windows, doors, windows and sun blinds.
Responsabilità Civile
Liability towards third parties up to €500,000.
🌋Earthquake Risk: Terremoto Coverage
Italy is one of the most earthquake-prone countries in Europe. More than 16,000 earthquakes were recorded in 2024:
- ⚠️ Risk areas: Apennines (Central Italy), Calabria, Sicily, Friuli
- ⚠️ Recent earthquakes: L'Aquila 2009, Emilia-Romagna 2012, Central Italy 2016
- ⚠️ Italian government: Payment often takes years (prime casa priority)
- ✓ Dutch policy: Earthquake damage is usually insured
- ✓ Faster payment: Much faster via a Dutch insurer than via Italy
💡 Always check if earthquake coverage is included, especially for properties in central Italy!
🇳🇱 vs 🇮🇹 Dutch or Italian Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Dutch service, no language barrier
- ✓ Faster claims handling
- ✓ Earthquake usually included in the insurance
- ✓ Rental also insured
- ✓ Return cover (travel costs)
🇮🇹 Italian Policy
- → Assicurazione multirio
- → Communication in Italian
- → Claims settlement can be difficult
- → Terremoto is often not covered as standard
- → Many exclusions in small print
- → €200-€700/year basic
💡 In Italy, insurance is less common. Italian policies often have many exclusions and earthquake damage is usually not covered as standard.
🔑 Rental: New Italian Rules 2025
Since 2025, new national rules for tourist rentals in Italy apply:
- ⚠️ CIN required: Apply for Codice Identificativo Nazionale at the Ministry of Tourism
- ⚠️ Safety equipment: CO detector, gas detector and fire extinguisher mandatory
- ⚠️ Guest registration: Report to the police within 24 hours (Alloggiatiweb)
- ⚠️ Tassa di soggiorno: Collect and pay tourist tax
- ⚠️ In person check-in: Personal identity verification now mandatory
- ✓ Our insurance: Rental up to 26 weeks/year also insured
📚 Italian Insurance Concepts
⭐ All Risk Coverage: Maximum Protection
With all-risk coverage you are insured against all unforeseen damage from outside:
- ✓ Basic coverage: Fire, explosion, lightning, storm, hail
- ✓ Extensive: + Burglary, theft, vandalism, water damage, glass breakage
- ✓ All risk: + All unforeseen external damage
- ✓ Earthquake: Usually co-insured (check policy)
💰 Premium indication Holiday home Italy
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Apartment | €100,000 - €200,000 | €18 - €35 |
| Casale Tuscany | €200,000 - €400,000 | €30 - €55 |
| Trullo Puglia | €150,000 - €300,000 | €25 - €45 |
| Villa with pool | €400,000+ | €50 - €90 |
| Insure household contents | €20,000 - €75,000 | +€10 - €25 |
* Homes in earthquake-prone areas may be more expensive. Allrisk is approximately 20% more expensive. Earthquake coverage check with quote.
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a seconda casa, not as a main residence
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Vandalism by tenant: Damage by tenants themselves
- ✗ Commercial rental: More than 26 weeks/year or >4 homes
- ✗ Some risk areas: Check acceptance of earthquake areas
🏊 Swimming pool (Piscina) in Italy
Many holiday homes in Italy have a swimming pool. You can insure this:
- ✓ Swimming pool included in the insurance: Including pumps, filters and pipes
- ✓ Liability: Damage to guests covered up to €500,000
- → Security: Fencing recommended, mandatory in some regions
- → Preparing for winter: Frost damage due to negligence is not covered
💡 Tips for Your Holiday Home in Italy
- ✓ Choose Dutch policy: Faster claims handling, no language barrier
- ✓ Check earthquake coverage: Essential in central and southern Italy
- ✓ Request CIN: Mandatory for rental since 2025
- ✓ Safety equipment: CO detector, gas detector, fire extinguisher
- ✓ Commercialista: Italian accountant for tax matters
- ✓ Current reconstruction value: Construction costs in Italy are rising
✈️ Extra Coverage: Return & Keys
- ✓ Return coverage: Travel and accommodation costs will be reimbursed in the event of an emergency
- ✓ Accommodation costs: If the home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Art objects: Up to €5,000-€10,000 co-insured
- ✓ Garden construction: Up to €10,000 covered
