Home Insurance in Cyprus: Compare Quotes from Top Insurers
Protect your property with buildings, contents, and liability cover from 10+ licensed insurers. One form, personalised quotes in 3 minutes.
Construction costs in Cyprus rose 6 to 12% since 2022. If your sum insured hasn't kept up, you could be underinsured and receive a reduced payout on any claim.
Why DigiCare
Why Cyprus homeowners choose DigiCare
Compare Multiple Insurers
We shop 10+ licensed Cyprus insurers on your behalf. You see the prices side by side and pick the one that fits.
Quotes in 3 Minutes
Fill in one online form. We come back with personalised quotes, not a generic price list.
Bundle and Save
Add car insurance to your home policy and save 10 to 20% on the combined premium. Most of our clients do exactly this.
English, Russian, Greek
Every document, every phone call, every claim follow-up in whichever language you prefer.
How much does home insurance cost in Cyprus?
I get asked this almost every day. The short answer: premiums depend on your rebuild value, not the market price of your property. A two-bedroom apartment in Paphos and one in Limassol might sell for very different prices, but if the construction cost is similar, the insurance premium will be close too.
| Property Type | Basic (Buildings Only) | Full (Buildings + Contents + Liability) |
|---|---|---|
| Small apartment (€80K-€120K rebuild) | €120 - €200 | €220 - €350 |
| Standard villa (€150K-€250K rebuild) | €180 - €300 | €350 - €550 |
| High-value property (€300K+ rebuild) | €300 - €450 | €600 - €950 |
| Renters (contents only) | €80 - €120 | €120 - €200 |
Budget roughly €2.50 per €1,000 of rebuild value for basic buildings cover. A property with a €100,000 rebuild cost runs about €250 per year.
Premiums shown are indicative 2026 figures based on broker market data. Your actual rate depends on your insurer, location, construction type, and security measures.
What does home insurance cover in Cyprus?
A standard home insurance policy in Cyprus protects you against the risks that actually damage properties here. Not every peril is included on every tier, so it's worth knowing where your cover starts and stops.
Fire, explosion, and lightning
Storm, tempest, and flood damage
Theft and attempted theft
Water damage (burst pipes, escape of water)
Third-party liability (injury to visitors)
Alternative accommodation if your home is uninhabitable
Contents cover (furniture, electronics, personal items)
Loss of rent (for landlords)
Coverage by tier
| Coverage | Basic | Standard | Comprehensive |
|---|---|---|---|
| Buildings (fire, storm, flood) | |||
| Contents | — | ||
| Third-party liability | — | €250K | €500K+ |
| Earthquake | — | Optional add-on | Optional add-on |
| Accidental damage | — | — | |
| Glass breakage | — |
Contents insurance in Cyprus
If you rent, you don't need buildings cover, but your landlord's policy won't protect your belongings. That's the bit people miss. Contents insurance covers your furniture, electronics, clothing, and valuables against theft, fire, and water damage. Premiums start from €80 per year for renters.
Earthquake cover is NOT included as standard on any tier. It must be added separately. The typical excess is the greater of €500 or 1.5% of the building sum insured, with a minimum of €2,000.
Earthquake insurance in Cyprus: what you need to know
Cyprus sits on the Cyprus Arc, where the African and Anatolian tectonic plates meet. Paphos and Limassol districts face the highest seismic risk. In my experience, about half the homeowners I speak with assume earthquake is already in their policy. It's not.
Adding earthquake cover typically costs 10 to 20% on top of your base premium. The excess is higher than standard perils, usually between €500 and €2,000 or a percentage of the sum insured. Insurers updated their risk zone maps in 2025 and 2026, which means premiums vary quite a bit by postcode now.
10-20%
additional premium
€500-€2,000
typical excess
2025-2026
risk zone update
If your property is in Paphos, western Limassol, or the Troodos foothills, I'd strongly recommend adding this. The cost is modest compared to what you'd pay out of pocket after a seismic event.
Who needs home insurance in Cyprus?
Home insurance isn't mandatory for every homeowner in Cyprus, but there are situations where you either must have it or really should.
Homeowners and mortgage buyers
If you have a mortgage, your bank will require buildings insurance. But here's something banks don't always tell you: you're free to choose any insurer. You don't have to buy the bank's policy. We can usually find a better rate.
Renters
Your landlord's policy covers the building, not your belongings. A laptop, a TV, some furniture, it adds up fast. Contents insurance starts from €80 per year.
Landlords and buy-to-let investors
If you rent out your property, you need landlord-specific cover. A CTO licence for short-term rentals requires minimum €100,000 public liability. You'll also want loss of rent cover in case the property becomes uninhabitable.
Holiday home owners
Standard policies stop covering your property after 30 to 60 consecutive days of vacancy. If your home sits empty for months, you need specialist cover with an extended vacancy clause.
Expats and overseas buyers
Own a property in Cyprus but live abroad for part of the year? We handle everything in English, arrange vacancy protection, and manage your policy remotely.
Why use a broker instead of buying direct?
Clients ask me this all the time, so here's a straight comparison.
| Feature | DigiCare (Broker) | Direct from Insurer |
|---|---|---|
| Insurers compared | 10+ at once | Just their own |
| Best price guarantee | We show the cheapest option | You only see one price |
| Earthquake expertise | We recommend add-ons by postcode | Generic advice |
| Claims support | We advocate on your behalf | You deal with them alone |
| Languages | English, Russian, Greek | Usually Greek only |
| Multi-policy discount | Bundle home + car for 10-20% off | Rarely available |
How It Works
Get home insurance in 3 simple steps
Tell us about your property
Share your property type, location, rebuild value, and what cover you need. The online form takes about 2 minutes.
We find your best rate
We compare quotes from our panel of licensed Cyprus insurers and present your best options, often within hours.
Get covered today
Pick the policy that fits and receive your documents by email. Need earthquake added? We'll include it.
FAQ
Home insurance questions answered
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