Assicurazione immobile (Property Insurance)

Insurance coverage for real estate, which typically protects against risks like fire, explosion, theft, or natural disasters. While not mandatory by law for homeowners, it is strongly recommended. Notably, if you take out a mutuo (mortgage), the bank will require an assicurazione incendio e scoppio (fire and explosion policy) to cover at least the outstanding loan amount. Additionally, developers of new buildings must provide a ten-year warranty insurance (polizza decennale postuma) to buyers for structural defects. Buyers of a home should consider a comprehensive home insurance policy (polizza casa) to cover the building, contents, and third-party liability.