Home Insurance In Portugal For EU Residents

Tailor your Portugal expat home insurance cover to suit your lifestyle
24/7 expat home insurance emergency claims service

Cover in more than 20 countries
Over 20 years of holiday home expertise
24hr emergency claims helpline
Cover for unoccupied properties included

Home Insurance In Portugal

Portugal is a unique country with beautiful Atlantic coastline, popular holiday hotspots, and a warm climate, making it a favourite for UK nationals.

So, it’s no wonder many choose to invest in holiday homes or static caravans in Portugal, whether for short stays or long-term use.

If you live outside the EEA, Intasure can provide cover to protect your Portugese property against risks such as accidental damage, natural disasters, and theft.

Prior to April 1st 2026, Intasure can provide new policies to customers who live in the EEA and have an overseas holiday home. From April 1st onwards Intasure will not provide new policies to customers who live in the EEA and have an overseas holiday home.

Residents living outside the EEA with a property in EEA countries can still be insured. Subject to underwriting and eligibility criteria.

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Why Should I Consider Home Insurance In Portugal?

Like with any home, if something happens to damage either the building itself or your contents, you may want a financial safety net. Holiday home insurance for properties in Portugal can help to keep both the building and contents protected.

Portuguese holiday home insurance can help protect your assets when the house is vacant. In addition, if you decide to rent it out to earn extra income, our holiday home policy includes public liability cover.

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Our Partners

Intasure works with an established partner to provide flexible insurance options.

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Purchasing Property Insurance In Portugal

When looking for suitable cover for your holiday home in Portugal, it can be beneficial to understand what protection you’re after. For example, you might want to consider protecting your home against theft, escape of water, and storms. You may also have a few extras that need protecting, such as a swimming pool and hot tub.

Benefits Of Intasure’s Overseas Holiday Home Insurance Include:

Cover in more than 20 countries and territories
Public liability cover up to £5 million
Cover for both long-term and short-term lets
Emergency travel following a claim
Protection for swimming pools
Temporary accommodation cover
Claims team In-house claims team

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Why Choose Intasure For Your Home?

With over 20 years’ experience providing holiday home insurance in the UK and overseas, we’re specialists in offering policies for holiday homes.

Our Portugal holiday home insurance is designed to meet the needs of customers living outside the EEA. Our team will guide you to ensure the policy suits your property and personal requirements.

EEA residency changes – important information

From 1 January 2026, Intasure will no longer offer new insurance policies where the customer lives in an EEA country and the property is located in the UK, or where the customer lives in an EEA country and is insuring a leisure home (such as a static caravan or lodge).

From 1 April 2026, Intasure will stop offering all remaining new insurance policies where the customer lives in an EEA country, including policies for overseas holiday homes.

Any policies written or already in force prior to these changes will continue to be honoured for the duration of the annual contract. Impacted customers will be contacted at renewal and advised on next steps.

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