Portugal Holiday Home Insurance
- Build your Portugal holiday home insurance cover to suit your lifestyle
- Helping to provide reassurance so you can enjoy the leisure time you have earned
- 24/7 Portugal holiday home insurance emergency claims service
Protect Your Second Property In Portugal With Holiday Home Insurance
Portugal is one of the oldest nation-states in Europe, so it’s no wonder it’s a popular choice for a holiday home. If you’re considering financial protection for your property, holiday home insurance might be worth exploring.
Intasure can provide cover for a range of properties, including second homes and holiday lets. If you rent your property to paying guests, you may also want to consider our holiday let insurance policy.
If you already own a property in Portugal or are in the process of purchasing one, we can help you find suitable cover for your holiday home.
What Is Portugal Holiday Home Insurance?
What would happen if a storm caused structural damage to your property while you were away? Or if a fault in the water system led to an escape of water inside your home? Unexpected issues like these can be costly, but Portugal holiday home insurance can help provide financial protection against a range of risks.
Intasure can help you build a suitable policy tailored to your property. Our holiday home insurance can provide financial support for many potential issues, helping to give you added reassurance when your property is unoccupied.
Our Partners
Intasure works with trusted and established partners to provide flexible insurance options.
What Does Property Insurance In Portugal Cover?
Holiday home insurance can provide cover for various risks faced by property owners abroad, from building damage to theft. Buildings and contents cover can be combined into a single policy, helping to provide financial protection for your property.
These are brief product descriptions only. Please refer to the policy documentation, paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses, and any endorsements.
Building Insurance Portugal
Building insurance can help cover damage to the structure of your property, including outbuildings and swimming pools, which are common in many warmer parts of Portugal.
This cover may include:
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Damage to buildings
Caused by natural disasters such as flooding, storms, and fires.
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Escape of water or oil
From household appliances such as washing machines, dishwashers, or heating systems.
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Accidental damage
Protection for permanent fixtures like kitchens, sanitary fittings, and flooring.
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Loss or damage from electrical power surges
Covering damage caused to wiring or electrical installations.
Contents Insurance Portugal
Contents insurance can help cover personal possessions within your property, whether it is used as a second home or a rental property.
Cover may include:
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Theft of household contents
Protection for stolen items such as furniture, electronics, and valuables.
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Accidental damage
Covering household goods such as carpets and sanitary fixtures.
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Damage to contents
Due to natural disasters, fire, or flooding.
Public liability cover
If you let your home out in Portugal, public liability cover may help protect you financially. This cover can provide protection if a paying guest suffers bodily injury while staying in your property or if damage is caused to a third-party property.
We offer £5 million cover as standard for insured public liability claims.
Emergency travel cover
Minor issues can quickly escalate when you’re not at your property. Whether it’s a burst pipe causing water damage or a storm rendering your home uninhabitable, emergency travel cover can help reimburse travel costs if you need to return to your holiday home urgently.
Loss of rent cover
If a confirmed rental booking cannot proceed due to damage to your property, loss of rent cover may help protect your rental income.
Alternative accommodation cover
If damage to your property makes it uninhabitable, alternative accommodation cover can help cover the cost of hotel stays while repairs are completed.
Unoccupancy cover
Owning a holiday home means your property might be left empty for extended periods. Unoccupancy cover can help provide protection year-round, subject to policy terms and conditions. For example, an unnoticed leak turning into an escape of water incident may still be covered, even when you’re not staying at the property.
What Our Customers Say About Us
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24 Sept 2024
Very easy service to use and no hard…
Very easy service to use and no hard sell which was nice. Good customer service and happy with my encounter. Would use again
Jason T
24 Sept 2024
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29 Aug 2024
Exceptionally fast and efficient…
Exceptionally fast and efficient service from Nikki Hickmott. I was in a hurry to cover my house in France and it was sorted within the hour. Brilliant service.
Katryn
29 Aug 2024
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20 Aug 2024
Ruben Lopes was patient and knowledgeable
Ruben Lopes was patient, calm and extremely polite. Ruben was professional and knowledgeable. He is a wonderful asset for your company.
Karen Reading
20 Aug 2024
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20 Aug 2024
Very thorough quote process
Very thorough quote process, and Julian was very knowledgeable.
JC
20 Aug 2024
What Type Of Portuguese Properties Can Be Covered?
Whether it’s a luxury villa by the sea, a cosy apartment in Porto, or a rustic holiday home in the Portuguese hinterland, Intasure can help you find suitable cover.
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Houses and bungalows
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Flats & apartments
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Villas with swimming pools or hot tubs
Why Choose Intasure For Portugal Holiday Home Insurance?
Intasure has been providing property insurance for over 15 years, offering policies designed to help protect abroad homes, rental properties, and multi-unit buildings. Our UK-based team is on hand to guide you through the process, from getting a quote to making a claim.
Benefits of using Intasure for your holiday home insurance:
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Customers can tailor insurance to their needs with optional covers
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Up to £1 million buildings cover and £5 million public liability cover
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Cover for short and long-term lets
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Cover whether the property is occupied or not, for up to 60 days
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Emergency travel costs for insured claims
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Loss of rent cover following an insured claim
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Alternative accommodation costs for insured claims
To get a quote for holiday home insurance in Portugal, you’ll need an NIF/TIN number. This is a mandatory Portuguese tax identification number, like the UK’s National Insurance number.
To get it, you’ll need to complete an application either in person or online, pay a fee, and receive your NIF/TIN via email. This number is required by the Portuguese government for all expats looking to purchase property in the country.
Portugal holiday home insurance FAQs
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.
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How much does holiday home insurance in Portugal cost?
Holiday home insurance isn’t a one-size-fits-all service. A range of factors can affect the cost of your policy, including:
- Your property’s location: For example, areas near rivers, seas, or other bodies of water could result in higher premiums.
- The size of your property: Larger properties tend to attract higher premiums.
- The contents within your property: Storing high-value contents in your property can mean greater insurance costs.
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Do I need both building and contents insurance?
Buildings insurance and contents insurance can both be important. One reason is that Portugal can be prone to natural disasters, and if you plan on spending time away from your property, suitable cover can provide an added financial safety net.
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Do I legally need holiday home insurance in Portugal?
Holiday home insurance isn’t legally required in Portugal. However, many mortgage providers require buildings insurance as part of the terms of your contract. While mortgage providers don’t usually require contents insurance, it’s a step you might want to take to help protect your belongings.
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How do I make a claim?
Making a claim with Intasure is straightforward. Simply call us on 0345 111 0672, and our dedicated team will be more than happy to help you.
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What Insurance Do I Need For A Holiday Let In Portugal?
If you let your holiday home in Portugal to paying guests, you may want a specialist holiday let insurance policy. Standard home insurance might not provide cover for risks associated with short-term rentals, such as accidental damage caused by guests or potential liability claims.
Holiday let insurance can include:
- Public liability cover: Protection in case a guest suffers an injury or causes damage to third-party property.
- Loss of rent cover: Financial protection if a confirmed booking cannot proceed due to property damage.
- Buildings and contents cover: Protection for structural damage and household items.
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How does homeowners’ insurance work in Portugal?
Homeowners’ insurance in Portugal typically includes building insurance, which can cover structural damage, and contents insurance, which protects personal belongings inside the property. Policies may also include additional cover, such as public liability insurance, loss of rent cover, and unoccupancy cover.
If your property is a second home or used as a holiday let, standard homeowners’ insurance might not provide suitable protection. Specialist holiday home insurance can offer cover for risks specific to second homes, including extended unoccupancy and rental use.
Before purchasing a policy, it’s important to review the terms, conditions, exclusions, and any applicable warranties to ensure the cover meets your requirements.
*correct as at June 2025
Policy Documents
View our policy documents to discover the cover Intasure can provide.
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