| Portugal | Cy-Eq-FF-Fl-Ls- Ss-St-VE | Optional. St and F coverage are included in basic policy. Earthquake insurance is offered as an extension of fire policy | The policy price is free and risk-based | Deductibles 10% of damage (F, St). Not uniform deductibles (Eq) | None | 5 | 50 | 50 | -- |
| Romania | Eq-Fl-Ls | Compulsory insurance scheme (PRAC) is operative | Fixed, depending on the typology of the houses Type A= 20 ?o:p> Type B= 10 ?o:p> | Type A dwelling (reinforced concrete) = 20,000?o:p> Type B (walls made of adobe) = 10,000?o:p> (for F and Eq) | A public-private partner-ship is active. The State guarantees the losses and intervenes in case of extraordinary losses | 5 | 50 | 5 | -- |
| Slovakia | Fl-St | No compulsory scheme | -- | Variable limits (F) | Public funds were used in the past to compensate the losses caused by strong extreme events | -- | -- | -- | -- |
| Slovenia | Av-Eq-Fi-Fl-Fr- H-Ls-St | Optional Flood risk is insured in most household content policies. Coverage against St/Eq is possible as additional coverage of the buildings | Fixed, depending on the typology of the houses (Eq, Fl) | -- | The Government intervenes in case of extraordinary losses (Eq, Fl) | 50 | 50 | 90 | -- |
| Spain | Eq-Fl-Mt St- Tn-Ts- VE | Semi-compulsory extension of basic policies | The policy price is calculated on a flat rates fixed by the State and depending on typology of estates. Houses = (0.008% of the capital insured) (Eq, F, St) | Deductibles are not applied to condominium and dwellings. (Eq, F, St)
| Policies are issued by insurance company or Consorcio de Compensacion de Suguros. The policies issued by companies are transferred to the Consorcio to be reinsured. The State guarantees all policies to be reassured in case of limited financial capacity of the Consorcio | 90 | 50 | 50 | -- |
| Sweden | All | Optional insurance | The policy price is calculated on a flat rates (Eq-Fl-St) | Limits equal to about 525,000?(as for 2010) (Eq) | None | 90 | 90 | 90 | -- |
| Switzerland | Av-Fl-H-Ls-St-SW | Two different systems. 1) Semi-compulsory as an extension of fire policies; 2) compulsory | The policy price is calculated on a flat rates | -- | Intercantonal Reinsu-rance covers housings in most of cantons (19 of 26). In 7 cantons the private market of insurance exists. The State does not guarantee the losses | -- | -- | -- | >97 |