I have already tried a couple of those modicasa and the problem is that although they do cover for earthquake damage, you can't take out insurance with them from the UK and you have to be resident in Italy. And Zurich, for example, who operate in the UK as well, don't do house insurance in their UK franchises!I tried the scontopolizza link as well and the same applies.I have pretty much run out of ideas. I am going to have to renew with Intasure (on 26th November) and then continue to try to find stand alone earthquake cover. There MUST be a specialist underwriter SOMEWHERE who is prepared to do it - our house is not in an area where there has been a major earthquake since the 1920s - minor tremors of course, but nothing to cause damage. I've heard it said that you can insure any eventuality if you are prepared to pay the premium - fashion models for example, who insure their legs or their faces! The problem is that I don't know how to find such a specialist underwriter - they aren't exactly ten a penny and they don't advertise their services on the internet. Even those specialist brokers that do claim to be able to do bespoke quotes all seem to use the run of the mill underwriters. I must have tried a dozen or more so called specialists to no avail! :-(This discussion alone shows that there is a market for such cover - I'd be prepared to pay a fairly high premium for the peace of mind and I am sure that as more people receive their renewal notices from Intasure there will be a growing number in the same situation.
Like Geoff's, our Intasure policy expires at the end of November (26th) so we too are getting a bit desperate!I have tried absolutely every company that a google search has thrown up, to no avail - even though our area of north west Tuscany (we are just on the watershed between the Garfagnana and the Lunigiana) has not up till now been considered a high risk area for earthquake insurance (minor tremors of course but no major quakes since 1928). I have also tried all the brokers I can think of, even if they do not specifically advertise Holiday Home insurance. My two glimmers of hope are Swiss Re (I found an online article stating that "earthquake damage in Italy IS insurable" (but I don't know how old that article is) who I have contcted and am awaiting a reply and I am going to contact the BIBA on Monday (British Insurance Brokers Association) who offer a "find insurance" service and claim to be able to put you in touch with specialist insurers for "any risk". We shall see!
Same here Geoff. I have contacted every UK insurance company that a google search for "Holiday Home Insurance Italy" identifies and they all go through the process of taking details and then come up with "sorry we no longer provide earthquake damage for your area". This despite there having been no major earthquakes in our area for a great many years. I guess it is because they have taken such a hiding in recent years from people with holiday homes in those areas that HAVE been seriously damaged. Nor have I found an Italian insurance company that covers earthquake damage (anywhere in Italy).Please let us know if you come up with anything. I will of course do the same.
Yes I read that comment as well. I was really just trying to find out if there was evenany obligation on the part of the Italian government to pay non Italian residents - all I can see is that it saysit has to be the prima casa which I take to mean not a "second home" or "buy to let".
I was just about to ask the same question! We have insured with Intasure since 2013 but now they say that due to a change of Underwriters they will no longer provide Earthquake Cover in Italy.
I have contacted several online insurers but none of them offer Earthquake Cover.
My second question was to be:- Do the Italian government provide compensation to the owners of holiday homes if they are damaged in an earthquake. For clarity it is the only property we own in Italy, we do not have Italian Residency and the house is not let out at all.
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I have already tried a couple of those modicasa and the problem is that although they do cover for earthquake damage, you can't take out insurance with them from the UK and you have to be resident in Italy. And Zurich, for example, who operate in the UK as well, don't do house insurance in their UK franchises!I tried the scontopolizza link as well and the same applies.I have pretty much run out of ideas. I am going to have to renew with Intasure (on 26th November) and then continue to try to find stand alone earthquake cover. There MUST be a specialist underwriter SOMEWHERE who is prepared to do it - our house is not in an area where there has been a major earthquake since the 1920s - minor tremors of course, but nothing to cause damage. I've heard it said that you can insure any eventuality if you are prepared to pay the premium - fashion models for example, who insure their legs or their faces! The problem is that I don't know how to find such a specialist underwriter - they aren't exactly ten a penny and they don't advertise their services on the internet. Even those specialist brokers that do claim to be able to do bespoke quotes all seem to use the run of the mill underwriters. I must have tried a dozen or more so called specialists to no avail! :-(This discussion alone shows that there is a market for such cover - I'd be prepared to pay a fairly high premium for the peace of mind and I am sure that as more people receive their renewal notices from Intasure there will be a growing number in the same situation.
Like Geoff's, our Intasure policy expires at the end of November (26th) so we too are getting a bit desperate!I have tried absolutely every company that a google search has thrown up, to no avail - even though our area of north west Tuscany (we are just on the watershed between the Garfagnana and the Lunigiana) has not up till now been considered a high risk area for earthquake insurance (minor tremors of course but no major quakes since 1928). I have also tried all the brokers I can think of, even if they do not specifically advertise Holiday Home insurance. My two glimmers of hope are Swiss Re (I found an online article stating that "earthquake damage in Italy IS insurable" (but I don't know how old that article is) who I have contcted and am awaiting a reply and I am going to contact the BIBA on Monday (British Insurance Brokers Association) who offer a "find insurance" service and claim to be able to put you in touch with specialist insurers for "any risk". We shall see!
Same here Geoff. I have contacted every UK insurance company that a google search for "Holiday Home Insurance Italy" identifies and they all go through the process of taking details and then come up with "sorry we no longer provide earthquake damage for your area". This despite there having been no major earthquakes in our area for a great many years. I guess it is because they have taken such a hiding in recent years from people with holiday homes in those areas that HAVE been seriously damaged. Nor have I found an Italian insurance company that covers earthquake damage (anywhere in Italy).Please let us know if you come up with anything. I will of course do the same.
Yes I read that comment as well. I was really just trying to find out if there was evenany obligation on the part of the Italian government to pay non Italian residents - all I can see is that it saysit has to be the prima casa which I take to mean not a "second home" or "buy to let".
I was just about to ask the same question! We have insured with Intasure since 2013 but now they say that due to a change of Underwriters they will no longer provide Earthquake Cover in Italy.
I have contacted several online insurers but none of them offer Earthquake Cover.
My second question was to be:- Do the Italian government provide compensation to the owners of holiday homes if they are damaged in an earthquake. For clarity it is the only property we own in Italy, we do not have Italian Residency and the house is not let out at all.