Comprehensive home Insurance Program Home On
Your home is your personal shelter as well as a valuable asset. With the Home On insurance program, you can protect your main and holiday home with a comprehensive and flexible insurance plan, against all risks, at a very competitive price.
Now you can earn even more! With every annual house insurance plan, you get up to 20% off your premiums. See the terms and conditions of the offer here and contact your personal insurance agent for your insurance plan.
Recommended for both owners and tenants, the program offers an extensive range of coverage to protect the building structure and its content, as well as optional covers & different liability limits for you to choose the options that meet your personal needs.
Everything you need for your home in one program!
Terms & Conditions
- The discount applies to new Home On & Home Style home insurance policies that will take place until 31.12.2023, with an annual payment frequency
- The percentage of discount on Home On policies for homes located in the Prefectures of Attica, Fthiotida, Evritania, Evia, Fokida, Viotia, Kefallinia, Zakynthos, Lefkada & Magnesia, with the option of earthquake coverage, is 20%
- The discount rate for Home On insurance is 20%, for homes located in the Prefectures of Attica, Fthiotida, Evritania, Evia, Fokida, Viotia, Kefallinia, Zakynthos, Lefkada & Magnesia
- The percentage of discount on Home On insurance policies for homes located throughout the rest of Greece, with the option of earthquake coverage, is 10%
- The discount on Home Style insurance policies with the option of earthquake & natural phenomena coverage, is 15%
Covers
The building
Building structure and its add-ons/ improvements
The content
such as assets and personal belongings, electronic equipment, electric appliances, jewelry
Secondary structures
such as storages, BBQs, swimming pools, garages, kiosks, fences, walls, gates (indoor and outdoor)
COVERS
Property tax discount up to 10%
Insure your house for major risks such as fire, flooding and earthquake and get up to 10% discount on your property tax.
| Covers | Building | Content |
|---|---|---|
| Fire & Fire caused by a Short-circuit, Lightning, Explosion, Smoke, Damage to the Boiler* |  | |
| Short circuiting of Electrical Installations – Electrical and Electronic Devices | | |
| Natural Phenomena (Flood – Storm – Tornado - Snow – Frost - Hail)* | | |
| Earthquake* |  | |
| Subsidence / Landslide | | |
| Leakage, Break or Overflow of Water Pipes | | |
| Vehicle collision, aircraft damage, & trees/ poles crash, damage to the solar water heater | | |
| Disruption of Public Order/ Malicious and Terrorists Acts | | |
| Additional costs after damage (garbage collection, temporary housing/ accommodation, transport/ resettlement of contents) | | |
| Accidental Crystal Breakage | | |
| Mirror Oxidation | | |
| Theft/ Burglary | | |
| In case of theft / burglary: | ||
| - Illegal use of credit card | | |
| - Loss of documents / money / contents of a bank box and coverage of expenses of a psychologist & decorator | | |
| Storage costs | | |
| Engineering Study and Permit expenses | | |
| Loss/ damage of content while in temporary relocation | | |
| Loss of rents (due to damage or total destruction) | | |
| Housing loan payment | | |
| Underinsurance | | |
| Mortgage / Pledge Lender Term | | |
| Adjustment of insured capita due to increase in consumer price index | | |
| Photovoltaic system & Loss of income due to interruption of power supply from the photovoltaic system | | |
| Food spoilage | | |
| Newly acquired items | | |
| Random event | | |
| Electronic devices | | |
| Jewelry | |
 | Basic Covers |
 | Optional Covers |
| * Necessary covers for the ENFIA property tax discount | |
Liability Insurance
- General Liability: Coverage for material damages or bodily harm (injury) of third parties due to your own negligence or omission
- Liability for Damage: Coverage for material damages of third parties of their real estate due to damage covered by the insurance policy
SERVICES
In case of damage to your property, we provide you with several services for the immediate restoration and containment of the damage. More specifically, we provide:
Online damage report
Possibility of completing the damage report online by recording the damage through a video call with a claims expert
Direct Repair
Coordination and supervision of the restoration work by a cooperating workshop and immediate repair of the damage
On the spot payment
Immediate compensation for damages up to €2,500, without the submission of any supporting documents
Immediate technical assistance
A specialized network of technicians for immediate damage repair, available 24/7
REWARDS & DISCOUNTS
Generali rewards policy holders for:
Use of alternative, eco-friendly, energy sources (solar, wind and geothermic power)
Additional home security measures
Amount of insured capital
As well as for:
Renewal of policy
One-off annual payment of premium
More than one insurance policies with Generali (under same VAT number)
Get in touch with one of our insurance agents and get up to 20% off your premiums
INFORMATIONAL DOCUMENTS
Information Document
Insurance Product Information Document (IPID)
RELATED NEWS
RELATED FAQ'S
How am I covered in case of natural disaster?
In case of natural disaster, such as flood, storm, thunderstorm, snowfall, frost or hail, we cover the costs for the material damages and the expenses required for the pumping of water from your home.
In addition, with the “Natural Catastrophe Response” service, we activate a set of services in case of a major catastrophic event, thus reducing time and bureaucratic procedures. More specifically, through our network of specialized partners, you can register the damages immediately, 24 hours a day, receive advance payment to begin the repair work and to be able pay for hotel accommodation and psychological support.
What do I have to do in case of burglary?
- Contact the police immediately
- Report the burglary/ theft to Generali or your insurance agent
How can I receive my compensation for damages caused by fire?
- You have to report the incident to the Fire Department (199)
- You have to report it to Generali or your insurance agent
Does Generali cover me against earthquake damages?
Yes, but with the following conditions:
- The property was built after 1960
- The property was built in accordance to antiseismic guidelines
The property has not been damaged by previous earthquakes
What are the insured values?
The value of reconstruction of the insured property, when insuring a building structure. The value of replacement, when insuring content.
Value of reconstruction: we define the total of m² of the insured property and added spaces multiplied by 1,000 euros per m².
Value of replacement: the total of m2 of the insured property and added spaces multiplied by 300 euros per m².
The value of special structures (pool, gazeebo, BBQ, garage, solar power boiler etc.) will be included in the total value of the property.
