The Slovenia Insurance Supervision Agency published an article highlighting the gap between the importance households place on their homes and the limited use of earthquake insurance in Slovenia. Drawing on an agency survey of 1,057 people, it says most respondents see the home as a source of security and stability and as one of life’s most important values, yet around 80 percent of residential properties are not insured against earthquake risk. Citing comments from Zavarovalnica Sava and Zavarovalnica Triglav, the article links the low take-up to mistaken assumptions that a severe earthquake will not affect a given property, that earthquake cover is already included in basic home insurance, or that the state would absorb part of the loss. It adds that roughly every fourth or fifth building in Slovenia has no insurance for any peril, only about one third of residential buildings with some insurance also have earthquake cover, business and industrial buildings are insured for earthquake at about 20 percent, and only around one fifth of apartment blocks are covered. The piece also warns that insuring only an individual apartment may not solve the housing problem after an earthquake unless the whole building, or all unit owners, are insured, and it explains that policy terms generally require the insured to prove that nearby ground shaking caused the damage or that the loss could only have been caused by an earthquake.
Slovenia Insurance Supervision Agency2026-05-18
Slovenia Insurance Supervision Agency highlights that about 80 percent of residential properties lack earthquake insurance
The Slovenia Insurance Supervision Agency published an article highlighting very low earthquake insurance coverage in Slovenia, noting that around 80 percent of residential properties are not insured against earthquake risk. Based on survey data and insurer feedback, it attributes low take-up to misconceptions about earthquake probability, the scope of basic home insurance, and expected state support, and notes similarly low coverage for business, industrial buildings and apartment blocks. The agency also stresses that insuring only an individual apartment may be insufficient if the wider building is not covered and outlines typical policy requirements for proving earthquake-related damage.