Property insurance prices

How much does property insurance cost in Bulgaria?

For policies issued through Boleron, the median annual premium is €114, and half of the policies are between €91 – €155 (N = 629, 1 January 2026 – 30 September 2026). These are prices of issued policies; offer prices are shown separately.

Apartment vs house insurance

The comparison shows the observed median premiums by property type: apartment – €108 (N = 482), house – €154 (N = 129). This does not mean that the property type alone determines the price.

How does the sum insured relate to the price?

The table groups policies by the building sum insured and shows the observed median premium in each group. The groups have non-overlapping bounds: the lower bound is included, the upper bound is not.

Building and contents insurance

We show only the group with enough policies. We do not compare the premium with and without contents, so there is no standalone price for this cover.

Property insurance prices by region

Only provinces with a sufficient sample are shown. The differences in median premiums also reflect a different mix of policies, so they do not prove that the region alone determines the price.

Insurance price by floor area

Floor-area data is available for 629 policies. The area groups do not overlap; groups with fewer than 30 policies are not shown.

Ratio between premium and sum insured

The ratio is the annual gross premium divided by the sum insured and multiplied by 100. We show it separately for the building and for the contents. It is a descriptive indicator for Boleron policies, not a standardised market tariff.

Which insurers do customers choose?

The table shows the share of each insurer among 629 issued policies (1 January 2026 – 30 September 2026). The share of choice is not evidence of quality, affordable price or a market ranking.

Key findings from Boleron data

1. 1

   The median annual gross premium of issued property policies is €114, and half of the policies are in the range €91 – €155 (N = 629 policies, 1 January 2026 – 30 September 2026).

2. 2

   The median premium for apartment is €108 (N = 482), and for house – €154 (N = 129). The difference cannot be attributed to the property type alone – the groups also differ in sum insured and cover.

3. 3

   96.0% of policies with a known status include contents cover (N = 629).

4. 4

   The median ratio between the annual premium and the building sum insured is 0.2% (N = 629). This is a descriptive indicator for Boleron's sample, not a market tariff.

5. 5

   Among policies issued through Boleron, the most frequently chosen insurer has a 86.5% share of 629 policies. The share of choice is not an indicator of quality or price.

Sample offers for typical properties

These are offers calculated by the Boleron calculator for set property profiles in Sofia, as of 27 October 2026. They are not statistics of issued policies and do not show a market average price.

Annual price with a single payment (1 instalment), “Standard price” before the loyal-customer discount. The limits are those the calculator shows in the offer; earthquake, theft, third-party liability and electrical damage are not selected separately but are part of the insurer's package.

Statistics methodology

Data source

Boleron – policies issued online. Anonymised data; no personal data or individual records are published.

Period

1 January 2026 – 30 September 2026

Version and date

Version 2026-10-28.1, updated on 28 October 2026.

Inclusion and exclusion criteria

Excluded: records with an invalid or non-positive premium (0), technical duplicates (0) and records without a valid type/identifier (0). The data exported from the system has no flag for a cancelled or test policy, so such records were not separated and not excluded.

Offer and issued policy

An offer is the result of a price request; for the price statistics we use the lowest valid offer per request. An issued policy is one issued through Boleron. The two populations are never mixed.

Annual gross premium

The gross premium is the amount charged to the customer for the policy or offer, converted to 12 months: instalment × number of instalments per year for instalment payment, or premium × 12 ÷ term in months.

Currency

All amounts are in euro. Records in leva are converted at the fixed rate of BGN 1.95583 per €1.

Statistical indicators

Median – the middle value of ordered data. Mean – the arithmetic average. P25 and P75 – the 25th and 75th percentiles by linear interpolation (type 7).

Grouping

Sum and area groups are non-overlapping intervals with an included lower bound and an excluded upper bound.

Small samples

Groups with N ≥ 50 are published; with N from 30 to 49 – with a warning; with N < 30 – not published.

Missing values

Missing cover information is not treated as missing cover – such policies are not part of the denominator of the shares.

Limitations

The data describe Boleron's customers and are not an official average for the Bulgarian market. Observed differences between groups do not prove a causal relationship.

Frequently asked questions