ΕΝΦΙΑ: how to insure your home and get a discount of up to 20%

Home insurance allows thousands of property owners in Greece reduce ΕΝΦΙΑ up to 20%but only under strict compliance with the conditions established by the tax service.

The official guide explains, who is entitled to a discountwhat risks must be included in the insurance policy, how to link insurance with the object in Ε9as well as what steps you need to go through on the platform myAADEespecially in cases co-ownership or insurance in favor of a third party.

Key condition: insurance must simultaneously cover damages from earthquakes, fires and floodsextend to full cost of restoration housing and action in the previous tax year until the calculation of ΕΝΦΙΑ.

Which properties qualify for a discount?

Discount available only to individualswho have ownership rights to a residential property specified in the declaration Ε9 and insured by a licensed insurance company.

Even if the insured is legal entitythe right to reduce ΕΝΦΙΑ is retained if the owner of the property is individual.

Sum insured: where discounts are most often lost

The cost of housing restoration is fixed: 900 euros per 1 sq. m.

If the sum insured less this value – no discount availableeven if the difference is insignificant.

Example:
100 sq. m × 900 € = 90,000 €.
Insurance for €80,000 – no discount.
Insurance for 100,000 € – discount provided.

Size of reduction ΕΝΦΙΑ

• 20% – if the tax value of housing is up to 500.000 € and the insurance is valid all year;
• 10% – if the cost exceeds 500,000 €;
• with insurance for less than a year – discount decreases proportionally.

Timing and procedure

• to January 10 insurance companies transmit data;
• to February 16 application is submitted via myAADE → myPROPERTY → Μείωση ΕΝΦΙΑ;
• to February 28 being checked;
• the discount is taken into account in first central payment receipt ΕΝΦΙΑ 2026.

If the automatic check does not work, the application is submitted through ΔΟΥ with insurance policy and form attached Δ500.

Important to remember

• Every ΑΤΑΚ must be associated with an insurance policy;
• in case of co-ownership, it is necessary to indicate ΑΦΜ all owners;
• If there are errors in the data, please contact to the insurance company;
• The status of the application is checked in the section “Αποτελέσματα αιτήσεων”.

Conclusion: insurance is not a formality, but an exact calculation. An error in the amount or terms automatically deprives you of the ΕΝΦΙΑ discount.

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