Home insurance in Portugal

Professionals dedicated to expatriate insurance, INOV Expat puts all of its expertise at your service to secure the home insurance that best adapts to your needs and your family’s. We are an insurance brokerage firm that has been working with the best insurance companies in the market since our foundation in 2004 to be able to offer you home insurance in Portugal that is “customised” for you and at the best price. We can answer all your questions as well as handle any claims necessary throughout the term of your policy and defend your rights against insurance companies. Our multilingual specialists can offer you free advice. Don’t think twice. Ask for your quote and choose the best home insurance in Portugal that best suits you here

Basic
€80year
Fire, burglary, flooding, ..vandalism
Electric damages
24/7 assistance
Civil liability & legal protection
Seismic events
Robbery and street assault
Quote

Intermediary
€90year
Fire, burglary, flooding, ..vandalism
Electric damages
24/7 assistance
Civil liability & legal protection
Seismic events
Robbery and street assault
Quote

Fully comprehensive
€100year
Fire, burglary, flooding, ..vandalism
Electric damages
24/7 assistance
Civil liability & legal protection
Seismic events
Robbery and street assault
Quote

FAQ

INOV Expat offers you its expertise and knowledge of home insurance in Portugal: our advisors will answer your questions in English for free. Don’t think twice. Ask for your home insurance quote in Portugal here.

Is home insurance mandatory in Portugal?

Insuring your home is not mandatory in Portugal for tenants. The owner - landlord (non-occupying owner) is required to take out at least “fire-horizontal” insurance covering the structure only. Thus, INOV Expat always recommends taking out home insurance while residing in Portugal. In fact, besides insuring your property, this home insurance will also cover your civil liability against any damages caused to third parties. More than just insurance, multi-risk home insurance in Portugal is a guarantee for protection and peace of mind, whether you’re a tenant or owner.

I rent my home in Portugal. Should I take out insurance for it?

In Portugal, tenants are not required to take out home insurance but must, however, ensure the homeowner has actually contracted mandatory fire insurance. But, be aware! Without home insurance, your property and any damages you may cause while renting or even your civil liability are not covered by any guarantees! So, in order to avoid any conflicts with the owner or your neighbours in the event of an incident, INOV Expat recommends you take out home insurance to also cover the civil liability of all occupants in the home.

Is civil liability covered by my home insurance in Portugal?

All our home insurance policies include civil liability cover: it’s actually one of the main guarantees that come with home insurance policies. Civil liability insurance covers all members of your family in the event of physical or material damages caused to third parties. Home insurance in Portugal is a guarantee for peace of mind in your home!

Information

Unfortunately, no one is free of the risks of water damage, thefts and fires... Home insurance in Portugal is a guarantee for peace of mind against everyday circumstances: it not only insures your home and property, but also covers civil liability for all occupants in the insured home. For a free and customised quote, don’t think twice. Contact our home insurance in Portugal specialists who will answer all your questions for free.

The premium for your home insurance in Portugal is based on various criteria which help determine a price depending on the risk of a claim:

What is the surface area to be insured?
Where is the home to be insured located in Portugal?
Do you own or rent the home?
Is it a primary or secondary residence?
What is the capital of the structure to be insured?
What is the capital of the contents to be insured (furniture, valuables)?

For a customised quote, we recommend you contact our home insurance in Portugal specialists who will answer all your questions for free.

In Portugal, home insurance is not mandatory for tenants. However, homeowners must always insured their homes at least against the risk of fire.
Home insurance is also mandatory if the property is mortgages: the guarantee is based on the reconstruction value (+/- €1000/m2 in 2017, depending on the area of Portugal).

In Portugal, it is quite easy to find qualified domestic help at a much lower cost than in UK: cleaners, childcare, gardeners, etc. But, did you know that you are required to take out occupational accident insurance to cover your employees when working in your home as well as when they’re travelling to and from work?