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Good To Know

Getting Started in Italy

In addition to the specific questions surrounding buying or renting a property, a number of other questions often arise, especially for foreign tenants and buyers. Here you will find some further information.

  • Accessible living is often automatically associated with properties designed exclusively to meet the special needs of people with physical disabilities. In reality, however, it is increasingly about offering unrestricted living comfort on a single level to people of all ages and physical conditions.

    Generous freedom of movement in all rooms, barrier-free bathrooms, the absence of stairs, and ground-level access to the garden or terrace are just some of the features that make a property accessible. Homes with such characteristics are therefore also attracting strong interest from other buyer groups, whether as an age-appropriate residence or as a comfortable home for families with young children.

    At Lake Garda, the demand for accessible properties is also growing. The market is responding to this trend, particularly in the case of new developments, and more and more accessible units are being offered.

    Anyone who wishes to enjoy accessibility not only within their own four walls but also in their surroundings should, however, carefully consider the local conditions. As beautiful as the towns around Lake Garda are, it must be noted that some of them are entirely unsuitable for people with physical limitations. Certain areas consist of several small hamlets and therefore lack a true town center, which often makes owning a car almost essential. Other towns boast stunning panoramic locations but are characterized by constant uphill and downhill terrain.

    Because of these geographic conditions, the southern part of Lake Garda, from Bardolino to Manerba del Garda, is generally more suitable for accessible living both inside and outside the property.

    If a property needs to be specially adapted to the needs of an owner with a disability, various tax incentives and subsidies can be claimed.

  • More and more people are drawn to beautiful Lake Garda, and not only for holidays. Many even decide to rent long-term or buy property, making Italy’s largest lake their permanent second home or, ultimately, their chosen place of residence.

    Its privileged geographical location between the Alps and the Po Valley makes Lake Garda a truly attractive place to live. The northern shore is framed by mountains over 2,000 meters high, such as Monte Baldo, and is well known and loved by athletes of all kinds. The southern shore lies in the plain, surrounded by gentle hills covered with vineyards, olive groves, and cherry orchards. From here, the famous cultural cities of Venice and Mantua, as well as Italy’s fashion capital Milan, are easily accessible by car or train. Day trips to the seaside resorts of Rimini, Riccione, or Cesenatico in summer, and to the Puster Valley or the exclusive ski resort of Madonna di Campiglio in winter, are also possible without difficulty.

    The sub-Mediterranean climate, with hot summers and mild, relatively dry winters, makes Lake Garda a popular year-round destination. Average annual temperatures range between a pleasant 13 and 15 °C. Water sports enthusiasts particularly appreciate Lake Garda for its constant winds, the “Ora” and the “Peler.” Ora is a south wind that blows from midday until early evening, while Peler is a north wind that rises in the second half of the night and continues until late morning.

    One Lake – Three Provinces

    What many do not know is that Lake Garda is divided into three provinces: the northern tip belongs to Trentino, the eastern shore from Malcesine down to Valeggio sul Mincio is part of Veneto, and from Sirmione in the south up to Limone in the northwest belongs to Lombardy.

    Trentino Alto Adige
    Only a small part of the northern shore belongs to Trentino. Riva del Garda and Torbole, two beautiful towns directly on the lake, are popular with surfers, sailors, mountain bikers, climbers, and motorcyclists. The northern tip of Italy’s largest inland lake is an ideal spot for active people. The pleasant climate also attracted many famous German poets in the past, who came here to relax. Numerous splendid villas from the Austro-Hungarian era still bear witness to this tradition.

    Veneto
    From Malcesine to Peschiera, the coast is affectionately called the “Riviera delle Olive” – and rightly so, as the silvery olive groves stretch far up the hillsides. The beautiful hinterland is home to a variety of grape varieties that produce fruity and refined wines. The wine regions of Valpolicella, Bardolino, Custoza, and part of the DOC Lugana belong to Veneto. Picturesque villages line the eastern shore, such as Torre del Benaco, Bardolino, and Lazise. Another advantage is the proximity to Verona, the provincial capital and a UNESCO World Heritage site.

    Lombardy
    The largest share of Lake Garda belongs to Lombardy. The region begins in the mountainous Limone, stretches along the Lombard mountains to the bay of Salò, and then borders Veneto at Peschiera. The small towns along the western shore, especially Salò, Gardone, Toscolano Maderno, and Gargnano, impress with magnificent Belle Époque buildings and beautiful lemon gardens. Along the southern shore, popular bathing resorts such as Manerba, Moniga del Garda, and the largest town on Lake Garda, Desenzano, can be found. In the hilly hinterland of Valtènesi, wine and olive cultivation is a long-standing tradition.

    Mobility

    Admittedly, taxis are scarce and expensive at Lake Garda, and public transport often leaves much to be desired. On the other hand, the lake is easily accessible via the major motorways A22 Brenner–Modena and A4 Milan–Venice. There are several nearby airports with low-cost flight connections, and especially the southern part of the lake benefits from a well-developed railway network. Many towns are also connected by frequent ferry services. From Torri del Benaco and Malcesine, as well as from Toscolano-Maderno and Limone sul Garda, even car ferries cross to the opposite shore.

    The Gardesana Lakeside Road
    Almost all towns around the lake are connected by the Gardesana lakeside road. On the eastern shore, the Gardesana Orientale (SS 249) runs from Peschiera del Garda to Riva del Garda, where it merges into the Gardesana Occidentale (SS 45 bis), which continues along the western shore to Salò. The southwestern shore is not reached by the Gardesana; here the SS 572 runs from Salò to Desenzano del Garda and the SS 11 continues to Peschiera del Garda. In recent years, a parallel cycle path project has also been under construction. Large sections, especially the panoramic route between Riva del Garda and Limone sul Garda in the northwest, have already been completed and are very popular.

    Motorways
    The A4 “Serenissima” motorway, running east–west south of the lake, can be accessed via Peschiera del Garda, Sirmione, and Desenzano del Garda. The A22 “Autobrennero” motorway runs east of the lake from the Brenner Pass to Modena and connects to Lake Garda via the Affi and Rovereto Sud exits.

    Airports
    The Verona–Milan railway line runs along the southern shore of Lake Garda, with stations in Peschiera del Garda and Desenzano del Garda. Verona’s “Valerio Catullo” airport is about 18 km east of the lake, and Brescia’s small “Gabriele d’Annunzio” airport is only about 17 km from Desenzano. Bergamo’s increasingly important “Orio al Serio” airport, about 80 km west of the lake, offers many flights to Germany. Venice’s “Marco Polo” airport is also only about an hour’s drive from Lake Garda and provides numerous national and international connections.

    Train Stations
    Peschiera del Garda, Desenzano del Garda, and Lonato del Garda in the south all have train stations. Desenzano and Peschiera are particularly well connected, with direct trains to Milan, Venice, and nearby Verona. Austria’s ÖBB Nightjet also stops in Verona as well as in these two towns. Rovereto station, on the other hand, is the best option for reaching the northern tip of the lake, with Trentino Trasporti buses directly connecting Rovereto to Torbole, Riva, and Arco.

    Cycling Routes
    While the southern part of Lake Garda offers numerous family-friendly cycling tours, the northern area is known for its panoramic trails, mainly suited to mountain bikers. Classic cycle paths for everyday mobility are still relatively rare in the Lake Garda region. However, for several years work has been underway on the “Anello del Garda,” a closed cycling ring of about 140 km around the entire lake. Since this ambitious project stretches across three provinces and some areas are difficult to access due to natural conditions, progress has been slow. Currently, only individual sections are accessible. Once completed, the cycling ring around Lake Garda will certainly be one of the most beautiful and spectacular cycle paths worldwide, taking mobility at Lake Garda to a whole new level.

  • Lake Garda is – unsurprisingly – a true paradise for boat lovers and boat owners. While sailing enthusiasts gather mainly in the northern part of the lake due to favorable wind conditions, the southern part of Lake Garda is reserved for motorboats.

    Boating Rules

    Motorboats up to 40 HP can be rented and operated on Lake Garda without a boating license. However, it is essential to be familiar with the most important navigation and traffic rules before setting off.

    Boat Yards & Moorings

    Finding a permanent mooring at Lake Garda is no easy task. Although there are numerous boat yards all around the lake, demand is still far greater than supply.

    Sailing Schools & Clubs

    There are many sailing clubs and schools around Lake Garda that regularly offer sailing courses and training programs for obtaining a sailing license. Here you can find a small selection.

    Courses, Events, and Other Useful Addresses

    Here you will find information on weekend courses for the inland boating license, contact addresses for buying and selling boats, as well as details of the organizers of the most important sailing regattas at Lake Garda.

  • When purchasing or renting a property in Italy, various new taxes and fees will apply, which must be paid on an annual basis. In Italy, taxes are considered personal obligations, which means that the taxpayer must pay all due taxes in full and on time, even without an explicit request from the authorities.

    Municipal Property Tax (IMU)

    The annual municipal property tax IMU (Imposta Municipale) must be paid by all property owners. Properties that are used by the owner as their primary residence are largely exempt from this tax.

    Waste Collection Fees

    Municipal waste collection fees are charged under the name TARI (tassa sui rifiuti solidi). These fees are calculated on the basis of a fixed and a variable component and are payable in two installments.

    Luxury Tax

    The additional levy on luxury goods was introduced in 2011 as part of Mario Monti’s “Salva Italia” rescue plan. The so-called luxury tax applies to cars with more than 185 kW, boats longer than 14 meters, and all types of aircraft.

    Inheritance and Gift Tax

    Foreigners residing in Italy and owners of property in Italy are not automatically subject to Italian inheritance and gift tax. In this context, residency and the location of the inherited or gifted assets do not play a role, but the nationality of the deceased or donor does.

  • Many property owners – or those who plan to become one – wish to enjoy their holiday home at Lake Garda not only with their family but also with their four-legged friends. Below you will find some useful information for pet owners at Lake Garda.

    Dog-Friendly Beaches Around the Lake

    Here dog owners can find a helpful list of pet-friendly beaches at Lake Garda. These include beaches specifically designed for dogs with dedicated facilities, family beaches where dogs are welcome, and free public beaches where dogs can play as long as other visitors are not disturbed.

    Dogs in Residential Complexes

    Until 2013, house regulations could determine whether dogs were allowed in a residential complex or not. Today, dogs are generally permitted. However, as a dog owner, it is still advisable to check the rules and conditions for pet ownership in the chosen complex in advance – and definitely before purchasing a property.

    Bella Italia With Pets

    When entering Italy with your dog, you must carry a valid EU Pet Passport. This document can be issued by any authorized veterinarian within the European Union.

    Veterinarians Around Lake Garda

    Here you will find a small overview of veterinarians and veterinary clinics located around the lake.

  • Even a move within the same country can feel like a small organizational masterpiece. But when it comes to relocating to another country, it is highly recommended to hire a professional and well-organized moving company. Doing so can save you a great deal of stress and prevent many unforeseen problems.

    If, despite everything, you prefer to take the adventure of moving into your own hands, you will most likely need to rent a moving truck. Unlike cars, however, trucks are subject to different legal regulations that must be taken into account.

    Below we have put together some important points you should also consider:

    • Moving without a moving company

    • Registering your new residence

    • Transferring your vehicle

    • Recognition of your driver’s license

    • Moving with pets

  • In Italy, there is no legal obligation to take out insurance for your own home. This means that the owner can decide whether to bear potential risks such as fire, water, gas, or natural disasters without insurance coverage. Paradoxically, it is more common to find cases where tenants are required to take out insurance for a rented property, as landlords often want to protect themselves against potential risks caused by tenants.

    Recommended Insurance

    Whether you are an owner or a tenant, taking out insurance is always advisable, as the costs are usually quite low and the benefits numerous. Read more

    Insurance Agencies

    Taking out insurance is a matter of trust. It is therefore worth carefully considering whether to rely on a trusted broker back home, or instead work with a reputable local agency that is well acquainted with local conditions. Read more

    Insurance with Mortgages

    If you need to take out a loan to purchase property in Italy, having valid insurance coverage is often a mandatory requirement. Read more

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