How much is the ENFIA discount with insurance in 2026?

The discount depends on taxable value: 20% for properties up to 500,000€ and 10% for properties over 500,000€. The discount is proportional to months insured. For example, if your ENFIA is €500, taxable value is 400,000€, and you have insurance all year, the discount is €100 (20%).

What is the minimum insured value for ENFIA discount?

From 2026, the minimum insured value is 900€ per square meter. For a 100 sqm property, the minimum insured value is 90,000€.

How much does home insurance cost?

The cost typically ranges from €1.2 to €1.5 per square meter annually. For a 100 sqm property, the annual cost is approximately €120-150. Often, the ENFIA discount covers a large portion or even the entire cost of premiums.

What coverage is required for the discount?

Mandatory coverage for **Earthquake, Fire, and Flood** is required. If even one risk is missing, the discount is rejected. Also, a minimum duration of 3 months of insurance within the previous year is required.

How do I submit the application for ENFIA discount?

The process is done digitally through the myPROPERTY platform on myAADE. Insurance companies have already sent details to AADE. You must log in with Taxisnet, select the insurance, and associate it with the ATAK from your E9. The deadline for 2026 is usually February 16th.

What if I have co-owners?

If the property has co-owners, the insurance beneficiary must declare their TINs. **Attention:** Each co-owner must log in with their own Taxisnet credentials and submit their own application to get their proportional discount.

ENFIA 20% & 10% Discount Calculator: Smart Tax Tool 2026

ENFIA Discount & Insurance

Property Information

Field Information

* Required fields - Necessary for calculation

ℹ Optional fields - Improve calculation accuracy

Square Meters (m²)*

Your property's square meters as shown on your ENFIA statement (E9). You can find this in your E9 form.

ENFIA Base Tax (€)*

The base ENFIA tax from your statement (excluding supplementary tax). You can find this amount in your E9 form.

Taxable Value (€)

ℹ

Your property's taxable value. If you don't know it, use the default value (400,000€) which calculates a 20% discount. You can find this in your E9 form.

Insured Value per sqm (€)

ℹ

The insured value per square meter from your insurance contract. Minimum 900€/sqm for 2026. If you don't have a contract yet, use the default value (900€/sqm).

Months Insured*

How many months your property was insured within the previous year (e.g., 2025 for ENFIA 2026). Minimum 3 months to qualify for discount. The discount is proportional to the months.

How to earn the ENFIA discount?

The ENFIA discount through home insurance is one of the "smartest" tax tools that have been established recently, especially now in 2026 when the rates have become even more attractive. From this year, the discount is 20% for properties with taxable value up to 500,000€ and 10% for properties over 500,000€. The calculator above helps you see immediately the net financial benefit by comparing the tax you save with the cost of premiums.

What is the discount percentage?

From this year (ENFIA 2026), the discount depends on your property's taxable value: 20% Discount: For properties with taxable value up to 500,000€. 10% Discount: For properties with taxable value over 500,000€. Important: The reduction is calculated on the tax corresponding to the specific insured property (building) and not on the total of your assets.

The 3 Mandatory Requirements

For your application to be approved, the insurance contract must meet cumulatively three conditions: 1. Coverage of 3 Risks: Must cover Earthquake, Fire, and Flood. If even one is missing (e.g., you don't have flood coverage because you're on a floor), the discount is rejected. 2. Minimum Duration: At least 3 months of insurance within the previous year (i.e., 2025 for ENFIA 2026). 3. Insured Value: The property must be insured for at least 900€ per square meter. *Example:* If you have a 100 sqm property, the insured value in your contract must be at least 90,000€.

How is it calculated (Proportionality)

The discount is proportional to the months the property was insured. If you had it insured for the full 12 months, you get the maximum (20% or 10%). If not, the formula is: Examples (for property value < 500,000€): * 12 months insurance: 20% discount. * 9 months insurance: 15% discount. * 6 months insurance: 10% discount. * 3 months insurance: 5% discount. * Less than 3 months: 0% discount.

The Process (Step-by-Step)

The process is done digitally through the myPROPERTY platform on myAADE. 1. Automatic Update: Insurance companies have already sent contract details to AADE. 2. Platform Login: Log in with your Taxisnet credentials. 3. ATAK Association: You must select the insurance and "link" it to the corresponding Property Identity Number (ATAK) from your E9. 4. Co-owners: If the property has co-owners, the insurance beneficiary must declare their TINs. Attention: Each co-owner must log in with their own credentials and submit their own application to get their proportional discount. 5. Deadline: For 2026, the application deadline is usually February 16th.

What options do you have?

* Full Coverage: Choose an annual contract with the 3 coverages and value > 900€/sqm to "lock in" the maximum benefit for the year. * Modify Existing: If you already have insurance but the value is lower (e.g., 800€/sqm), you can ask your insurer for adjustment. The cost of increasing the premium is often less than the benefit from the ENFIA discount.

Note: ENFIA discount and insurance cost calculations are estimates. Actual insurance premiums and discount eligibility depend on your property's specific characteristics and the insurance provider. Consult your insurance company and myAADE for official information.

Important Notice

Disclaimer: Calculations and information are provided for informational and educational purposes only and do not constitute investment, financial, or legal advice. While we strive for accuracy, results may contain errors or be based on assumptions that may not apply to your situation. Use of these tools is at your own risk. We shall not be held liable for any financial losses or damages arising from the use of this data. Always consult with a certified professional before making any financial decisions.

Property Purchase Costs

Accurately calculate property purchase costs for 2026. Transfer tax, notary, land registry fees, and first-home exemption in one tool.

Mortgage Calculator

Calculate monthly mortgage payments with fixed or variable interest rate

VAT Calculator

Calculate VAT for Greece. Easily add VAT to net prices or extract VAT from gross prices using current 2026 rates.

Housing Allowance Calculator

Calculate if you are eligible for the Greek housing allowance (Επίδομα Στέγασης) and how much you can receive based on 2026 legislation.