Country | Insurable risks | Insurance rules | Pricing | Compensation limits/ Deductibles | State role | Eq Rate (%) | Fl Rate (%) | St Rate (%) | OvR rate (%) |
| Austria | All hazards except volcanic eruptions | Optional. Protection against storm is included in households’ insurances | The policy price is free and risk-based | Maximum indemnity up to 50% of the capital insured or a fixed amount ranging from 3.700? to 10.000?(F). Limit is about 7.500?for household (Eq) | The Disaster Fund supports the Länder since 1966 in covering the losses | 5 | 18 | 90 | -- |
| Belgium | Eq-Fl-H-Ls-Ss-St-SW | Semi-compulsory (fire insurance contracts) | The policy price is free except when intervenes the Bureau de Tarification. This was created to specify the rules to be followed to fix the premiums in case they are too high or in case of properties not covered by the market | Deductibles are indexed to inflation (1.114,45? in 2010) (F, St, Eq) | A public-private partner-ship is active. The Caisse Nationale des Calamites guarantees the indemnity beyond the limits fixed by law | 90 | 90 | 90 | -- |
| Bulgaria | Eq-Fl-H-Ls-St-SW | The coverage is offered as an optional extension in basic homeowners contracts | The policy price is free: flat for flood and storm, risk-based for earthquake for which the premium is about 70?o:p> | No limits (F, St); Deductibles do not exceed 2% of the insured value and many companies do not apply any deductible. Policies usually cover 85% of the insured value (Eq) | -- | 5 | 5 | 5 | -- |
| Cyprus | All, except Dh-Ls-Ss-SW | Optional. Covering as an add-on of fire policies | The policy price is free | -- | None | -- | -- | -- | -- |
| Czech Republic | All | Policies are on voluntary basis. Insurance against floods is offered as an extension of property insurance. Insurances against earthquakes and storms are often bundled within a base contracts | The policy price is free and risk-based | Some contracts have compensation limit (F, Eq) | Losses for properties not covered by private insurance have often been covered by ex-post compensation by the State | 50 | 50 | 50 | -- |