What about property insurance and house maintenance?
 

Property is insured through insurance companies. Property insurance contracts cover all types of possible damages i.e. fire, earthquake, natural disaster, storm, theft, third party liability etc. Insurance costs are not very high compared to other EU countries. Property insurance is not obligatory, but the covering of some damages is required by the financial institutions mortgaging the property in case of credit. As far as maintenance and cleaning are concerned it is still very easy and cheap to find people who will take in charge this kind of service on a weekly or monthly basis, according to your specific needs.