How to Reduce ENFIA in 2026: A Practical Guide and Common Pitfalls

What are the new discounts for home insurance?

For 2026, home insurance is the key to reducing ENFIA. Specifically, a 20% ENFIA discount is granted for properties with a value of up to €500,000, provided they were insured throughout 2025. For properties valued above €500,000, the discount is set at 10%.

Important: To activate the tax relief, the insurance policy must simultaneously cover earthquake, fire, and flood risks. If the insurance period is shorter than one year, the discount is calculated proportionally, provided the coverage lasts at least three months. 💡

Which property owners will see zero ENFIA in the coming years?

A major tax relief affects more than 1 million property owners across 12,720 settlements. Owners whose primary residence is located in settlements outside Attica with a population of up to 1,500 residents will be entitled to a 50% reduction in 2026, while the tax will be fully abolished from 2027 onward. 🏡

In border regions (e.g. Evros, Western Macedonia), the population threshold increases to 1,700 residents. A key condition is that the assessed property value must not exceed €400,000.

How will the tax be paid in 2026?

The payment schedule remains family-budget friendly. ENFIA may be paid in up to 12 monthly installments, with the first installment due at the end of March. This arrangement allows for gradual repayment without putting sudden pressure on household liquidity. 💰

What should you watch out for to avoid losing the discounts?

The most common mistake is failing to insure against all three risks (earthquake, fire, flood). Also, keep in mind that the new exemptions for small settlements apply exclusively to the primary residence and not to secondary properties, plots of land, or agricultural parcels.