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COST OF LIVING

How does the cost of childcare in Italy compare to other countries?

Parents in Italy spend a monthly average of €303 for public nursery care and €324 for public kindergarten. How does that compare to other countries?

An educator takes care of a baby in the nursery of Bollate Penitentiary, on October 12, 2017 in Milan.
How much does childcare cost in Italy compared to elsewhere in Europe? Photo by MARCO BERTORELLO / AFP

Childcare costs in Italy can differ greatly depending on where you live, as the monthly cost of public nurseries (for children between three months and three years of age) and kindergartens (for children between three and five) are left to the discretion of local authorities.

READ ALSO: How much parental leave do you get in Italy?

According to the latest available data, a one-child Italian family spends an average of 303 euros a month for a full-time place (around ten hours a day, five days a week) at a public day nursery, or asilo nido, and an average of 324 euros a month for a place in a public kindergarten (scuola materna or scuola dell’infanzia). 

Fees are generally higher in northern regions, with the highest monthly nursery fees of all recorded at 515 euros in Lecco, Lombardy. Conversely, childcare is usually more affordable in the south – full-time nursery care in Catanzaro, Calabria costs 100 euros a month on average. 

For a breakdown of average public nursery fees by Italian region, see this website.

READ ALSO: Italy ranked among worst in Europe for tax burden on families

Unsurprisingly, fees for private daycare facilities are generally significantly higher than those for public ones. 

According to an investigation from Altroconsumo, a part-time place (five hours a day) at a private nursery costs 480 euros a month on average, whereas a full-time place (ten hours a day) can cost as much as 620 euros a month.

Once again, the available data show a big gap between the north and south of the country, with private daycare facilities in southern regions being significantly more affordable than their northern counterparts – Palermo, Sicily is the least expensive city when it comes to private nursery fees, charging an average of 2.09 euros per hour of care.

Financial support for low-income households is available in the form of a bonus asilo (‘nursery bonus’), which can be claimed by families of children in public daycare facilities or in contracted private ones.

The claimable amount depends on families’ economic situation, which in Italy is calculated as ISEE (Equivalent Financial Position Indicator). The following subsidies are in place:

  • Families with ISEE under 25,000 euros are entitled to an annual budget of 3,000 euros.
  • Families with ISEE between 25,001 euros and 40,000 euros are entitled to 2,500 euros. 
  • Families with ISEE over 40,001 euro are entitled to 1,500 euros.

The bonus asilo for the current school year must be requested by midnight on December 31st, 2022 through the INPS website.

Shortage of childcare places

While this bonus does provide vital help with childcare costs, many families are not actually able to use it due to an endemic dearth of places available at public or private daycare facilities across the country.

According to data from the Italian Public Budget Observatory (Osservatorio sui Conti Pubblici Italiani), in the school year 2019-2020 there were only 361,318 nursery places available in Italy overall (public and private nurseries were considered together in this instance).

READ ALSO: How much does it cost to raise a child in Italy?

That meant that only 26.6 percent of children eligible to receive nursery care (aged between three months and three years) could actually find a place in a daycare facility. 

Though Italy formally committed to increasing the capacity of existing nurseries and creating new facilities through its National Recovery and Resilience Plan (PNRR) – the target is to have an additional 264,480 places by December 2025 – many families are still struggling to get their children into daycare and are having to resort to alternative options.

Here’s a look at how the situation compares across Europe:

Denmark

In Denmark, every child is guaranteed a place at a public childcare facility from the age of six months. The government pays 75 percent of the cost of a place or even more if your household income is below a certain threshold

The exact amount parents pay depends on the Kommune. In Copenhagen Municipality, the cost of nursery care (vuggestue up to 2 years and 10 months) is 4,264 kroner a month including lunch (roughly €573). For kindergarten (børnehave from 2 years and 10 months to 6 years) it is 2,738 kroner a month including lunch (roughly €368).

If you have more than one child using childcare, you pay full price for the most expensive daycare and half-price for the others.

Parents in Denmark can also receive child and youth benefits (børne- og ungeydelsen), also known as børnepenge. This is a tax-free payment that you receive for each of your children until they reach the age of 18.

For children aged 0-2 years it is 4,653 kroner per quarter (roughly €156 per month per child). For children aged 3-6 years it is 3,681 kroner per quarter (roughly €123 per month per child).

Norway

The cost of nursery and kindergarten is capped at 3,050 Norwegian kroner, regardless of the hours attended or whether that facility is state-run or private. This means you’ll never pay more than roughly €295 a month per child in childcare costs.

Sweden

Generally, the highest amount parents have to pay for a full-time place in childcare is 1,572 SEK a month, which is around €145. The exact amount is calculated on income. It is half price if you have more than one child in childcare. 

Germany

The costs for daycare centres (Kindertagesstätte, or Kita for short) can differ greatly depending on where you live in Germany, as the fees are set by the local government.

In Schleswig-Holstein in the far north, parents pay on average nine percent of their after-tax income on childcare costs. In Hamburg, 4.4 percent of parent’s income goes on childcare as every child is entitled to five hours of free care a day. In Berlin, daycare is completely free. 

Spain

Costs can vary depending on whether it is a  private or public guardería or centro infantil (as nurseries are called in Spanish).

Public ones are heavily subsidised by the government and cost around €100-260 per month, depending on where you live in Spain and your situation. Private nurseries cost between €150 and €580 per month. There is also a fixed yearly fee called a matrícula or enrolment fee, which is around €100.

There is a 50 percent discount for large families and single parents don’t have to pay anything for childcare.

There’s also a deduction of up to €1,000 (cheque guardería) that is applied to the income tax return and works out at around €100 to €160 per month which is aimed at working mothers and is available up until the child is three years old.

France

In France, crèches tend to be the most affordable option and the cost is based on the family’s income. High earners might pay up to a maximum of €4.20 an hour (€33.60 for an 8-hour day), whereas low-income families might pay €0.26 an hour (€2.08 for an 8-hour day) at a crèche collective, which is for three months to three year olds. At the age of three, compulsory education begins in France.

The cost of a childminder is around €10.88 an hour and up to 50 percent of the costs of a nanny or professional childminder can be reimbursed by the government.

The OECD calculations on the percentage of income spent on childcare – based on two parents both working full time – is 13 percent in France. This is roughly similar to Spain and Italy.

Austria

Public nurseries and kindergartens are heavily subsidised and in some cases free, depending on where you live. For example in Vienna, parents only need to pay €72.33 a month to cover meal costs, with low income families being exempt from that fee.

Vienna also subsidises private kindergartens, paying up to €635.44 a month directly to the institution. 

In other provinces, kindergarten is free for part-time hours. It is mandatory for all children in Austria to attend part-time kindergarten from the age of five. They start school aged six.

Switzerland

The average Swiss family spends a massive 41 percent of their net income on childcare, three times the OECD average of 13 percent.

The average cost of childcare in Switzerland is CHF130 a day (€136). Due to tax breaks and subsidies paid out in the cantons, many parents will pay between 30 and 80 percent of this cost, depending on income. This equates to paying between €41 and €108 a day, roughly €902 to €2,376 a month. 

It’s even more expensive to hire a nannie, which will cost between CHF3,500 (€3,678) and CHF5,000 (€5,255) a month, including mandatory pension contributions.

United Kingdom

According to charity Coram in their Childcare Survey 2022, the average cost of full-time nursery is £1,166 (around €1,304 a month), which is even higher in some parts of London. There are some government subsidies available for low-income families and those receiving benefits and every parent is entitled to 15 or 30 free hours of childcare the term after their child turns three years old.

Conclusion

The cost of childcare varies within each country, depending on family circumstances. However, for guaranteed low childcare costs for every parent, Sweden comes out best, with a maximum of €145 a month.

Average monthly cost of state-run childcare:

Sweden: €145 maximum

Norway: €295 maximum

Austria: €72.33 – roughly €500

Spain: €100 – €260 

Germany: €0 –  €368

Italy: €303 for nursery care; €324 for kindergarten

Denmark: €368 – €573

France: €45,76 – €739.20 

Switzerland: €902 – €2,376 

U.K. €1,304 which reduces the term after the child turns three.

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MONEY

What insurance is available for owners of holiday lets in Italy?

Protecting yourself and your property against unforeseen events may well be your top priority when renting out your second home in Italy – but there’s no one-size-fits-all insurance plan for owners.

What insurance is available for owners of holiday lets in Italy?

If you own a second home in Italy and you’re planning on renting it out to holidaymakers when you’re not there, taking out an insurance policy to protect yourself and your property against unforeseen events is one of the first and most important things you’ll have to consider. 

Though contracting an insurance policy on a holiday let is not a requirement in Italy except in some specific cases (see more below), doing so is strongly advisable. 

Even the most mindful and considerate of guests can sometimes cause accidental damage to your property or belongings during their stay, especially if they happen to have small children or pets.

But taking out an insurance plan can also protect you from expensive claims made against you by guests in the event of injuries or damage suffered while in the property.

Though insurance policies for vacation rentals are grouped together under the umbrella term of assicurazione casa vacanze (holiday home insurance), there’s no one-size-fits-all plan and homeowners are granted the freedom to tailor their policies to their particular needs, as well as the features of their property.

Third-party liability coverage 

The polizza di responsabilità civile (literally, ‘civil responsibility policy’) is considered the most basic type of plan you can take out on your second home. 

This covers the costs associated with injury or damage suffered by guests during their stay in your property as well as any legal defence expenses you may face. 

A view of Alberobello, a village famous for its traditional 'trulli' houses in Puglia

A view of Alberobello, a village famous for its traditional ‘trulli’ houses in Puglia. Photo by Piero CRUCIATTI / AFP

To make a practical example, if a bookshelf in your home suddenly collapses, injuring one of the guests, this policy will cover the medical expenses faced by the guest as well as the costs of any legal proceedings you may be involved in.

READ ALSO: Is now a good time to buy a home in Italy?

It’s worth noting here that if you’re renting out your property through popular online platforms such as Airbnb, your home will in most cases be automatically covered by a liability policy managed directly by the platform. 

For instance, Airbnb has its own AirCover policy, which offers homeowners free-of-charge third-party liability coverage for claims of up to one million dollars.

That said, most platform-managed liability policies will only apply to bookings made directly through the platform, meaning that if you rent your property via any other channel, you’ll have to take out a separate plan. 

The cost of a basic responsabilità civile plan generally hovers around 150 to 200 euros per year.

Is a third-party liability plan mandatory?

Under Italy’s tourism laws, a liability insurance policy is only mandatory if you rent out your property as part of an ‘entrepreneurial activity’, meaning a registered business with a partita IVA (VAT number).

If you’re a private citizen occasionally renting out your second home to partly offset property costs and this is not your main professional occupation and source of income, you won’t be required to take out a liability policy (though you may still consider getting one for the reasons explained above).

If you have doubts on whether or not your activity qualifies as ‘entrepreneurial’, you’re advised to get in touch with a legal expert.

Damage insurance 

A basic liability policy won’t protect you against damage to your own property or belongings, which is why homeowners tend to complement this with a damage policy (assicurazione danni). 

This essentially covers the costs of material damage suffered by your property’s structure and contents, whether that be caused by guests or external factors. These can include fires, explosions, leakage, clogged drain pipes, burglary and vandalism acts depending on the type of plan you choose.

It’s worth noting that standard assicurazioni danni don’t generally cover damage caused by major natural disasters such as earthquakes and flooding.

Hoses pump water out of a building in Venice following a severe high tide event.

Hoses pump water out of a building in Venice following a severe high tide event. Photo by Filippo MONTEFORTE / AFP

If your property’s located in an at-risk area, most insurance providers will allow you to add natural disaster coverage to their damage plans.

READ ALSO: Reader question: Should I insure my Italian home against flood or earthquake damage?

Third-party liability coverage and damage coverage against the most common types of external factors are often sold as part of a single insurance package marketed as assicurazione multirischio (multi-risk insurance). Here, prices range from 200-250 euros per year for the most basic plans to 600-700 euros for more comprehensive plans.

Once again, if you’re renting out your property through some of the more popular online platforms, your home will in most cases be automatically covered by some type of damage policy managed directly by the platform. 

For instance Airbnb’s AirCover policy covers damage of up to 3 million dollars caused directly by guests (but does not cover damage caused by external factors).

Theft

Many standard insurance packages already provide coverage against theft. If that’s not your case, you can ask for an assicurazione furto (theft insurance) to be added to your plan.

However, this type of coverage only applies to break-ins (furto con scasso) and not to theft on the part of guests.

The presence of a short-term rental agreement (either signed in physical form or implicitly agreed upon via an online platform) between owner and guests makes it impossible under Italian law to consider acts of theft from guests as theft per se as these can only be categorised as misappropriation (appropriazione indebita).

To protect yourself against misappropriation, you can add a polizza di tutela legale (legal protection policy) to your package. This will cover legal expenses in a lawsuit for misappropriation filed against a guest. 

Picking the right provider 

It’s advisable to do at least some level of in-depth online research when choosing your second home insurance plan in Italy as there are nearly 100 different providers across the country.

Also, as appealing as it may be, simply opting for the cheapest coverage on the market may mean that you don’t get the product that’s right for you or your property.

READ ALSO: Five expensive mistakes to avoid when buying a house in Italy

When picking your insurance provider, it’s advisable to check customer reviews, feedback scores, and ratings beforehand, as well as enquire about the claims process and cancellation policies with the relevant company. 

Some providers also offer discounts or incentives for homeowners improving home safety measures or eliminating risk factors.

All forms of insurance in Italy are regulated by the Italian Insurance Supervisory Authority (IVASS). Make sure that the provider you turn to figures on the IVASS register

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