Apartment Insurance
Receive personalized quotes from insurance professionals and clearly choose the most suitable solution to protect your home, belongings, and liability toward third parties.
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Coverage designed for owned, rented, or leased apartments
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Quotes explained in simple terms, so you don’t have to choose based on price alone
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Personalized proposals based on the value of the property, the coverage you need, and your profile
Free, with no commitment.
Not a comparison site: clear explanations, informed choices.
How does it work?
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Complete your request
Enter a few clear details about your apartment and the coverage you are interested in. -
Selected intermediaries take care of your request
Your request is reviewed by insurance professionals registered on the platform. -
Receive up to 4 personalized quotes
Compare different proposals based on coverage, limits, deductibles, exclusions, and price. -
Choose the most suitable solution with confidence
Contact the intermediary you have selected and complete the policy directly with the professional.
Why do you need it?
An apartment can be exposed to many everyday risks: water damage, fire, weather events, theft, system failures, and liability toward neighbours or third parties.
Often, people only realise how important proper coverage is after the damage has already occurred. A water leak, a short circuit, infiltration, or accidental damage caused to a neighbour can lead to significant costs.
That is why, before choosing a home insurance policy, it is important to consider not only the final price, but also which guarantees are included, what limits apply, which exclusions are in place, and which deductibles may affect you in the event of a claim.
With INSURHUB, you can submit a request and receive personalized quotes from insurance professionals, so you can compare solutions built around the real characteristics of your apartment.
What affects the quote?
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Municipality and area where the apartment is located
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Property size
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Floor on which the apartment is located
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Type of use: main residence, second home, rented property, or holiday home
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Value of the property and of the contents to be insured
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Presence of a mortgage or requirements set by the bank
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Required coverage: fire, theft, water damage, liability, weather events, assistance
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Desired coverage limits
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Deductibles and any co-insurance clauses
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Characteristics of the building and its systems
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Presence of security systems, reinforced door, alarm system, or cameras
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History of any previous claims
Learn more about the importance of Apartment Insurance
FAQ — Apartment Insurance
1) Is apartment insurance mandatory?
In general, it is not always mandatory. However, it may be required in specific cases, for example when linked to a mortgage or to particular contractual agreements. Even when it is not mandatory, it can be very useful to protect the property, its contents, and your liability toward third parties.
2) What does an apartment insurance policy cover?
It depends on the solution chosen. An apartment insurance policy may include fire, explosion, water damage, theft, weather events, civil liability, home assistance, legal protection, and other optional guarantees. This is why it is important to request a personalized quote.
3) Can I insure a rented apartment?
Yes. Tenants can also consider coverage to protect their belongings, their civil liability, and any accidental damage caused to the property or to third parties.
4) Can I insure an apartment that I rent out?
Yes. If you own an apartment rented to third parties, you can consider a policy to protect the building, certain material damages, and specific liabilities connected to property ownership.
5) Does apartment insurance cover damage to neighbours?
It can, if the policy includes adequate civil liability coverage. For example, a water leak from your apartment could cause damage to the property below. Conditions vary from policy to policy.
6) Are theft and water damage always included?
No. Some guarantees may be included, while others may be optional. Theft, water damage, weather events, glass breakage, and home assistance should always be checked carefully before choosing the policy.
7) How much does it cost to insure an apartment?
The cost depends on many factors: property location, size, insured value, selected guarantees, coverage limits, deductibles, security systems, and how the apartment is used. This is why the best way to get a realistic price is to request a personalized quote.
8) Is a basic policy or a more comprehensive coverage better?
It depends on your needs. A basic policy may cover only some of the main risks, while more comprehensive coverage may include additional guarantees such as theft, assistance, weather events, or civil liability. A professional can help you understand which guarantees make the most sense for your apartment.
9) How long does it take to receive the quotes?
The request can be submitted in just a few minutes. After submission, selected insurance intermediaries take care of your request and provide feedback quickly, especially if you have entered all the useful information.
10) Does INSURHUB sell the policy directly?
No. INSURHUB is a digital platform that connects consumers with insurance professionals. Advisory, quoting, and contractual management activities are carried out by the intermediaries registered on the platform.
Company details
INSURHUB S.r.l. (Innovative Startup)
VAT No.: 06384170657
Registered office: Via Adige n.13, 84091 Battipaglia (SA), Italy
INSURHUB is a digital platform that connects consumers with professionals duly registered with the RUI — the Italian Register of Insurance Intermediaries. INSURHUB is not an insurance intermediary, does not directly distribute insurance products and does not receive commissions on premiums. The information provided on the website is for informational purposes only and does not constitute insurance advice or a recommendation to purchase. All advisory, quotation and contractual management activities are carried out exclusively by the registered professionals, under their full responsibility.
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