Portugal Holiday Home Insurance

Protect your second property in Portugal with holiday home insurance

Portugal is one of the oldest nation-states in Europe. It’s bursting with culture and beauty, making it an excellent base for a holiday home. But if you are concerned about your finances being protected, it’s worth considering our holiday home insurance. We also offer a holiday let insurance policy for people who rent their property out to paying guests.

If you currently own a property in Portugal or are interested in buying one, you may be thinking about your options for financial protection. Here at Intasure we can help you find suitable cover.

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What is Portugal holiday home insurance?

What would you do if you’re away from your property, and storms cause structural damage to the building? Or there’s an issue with a water system that leads to escape of water inside your home? Whatever the disaster may be, Portugal holiday home insurance can help protect your finances when the worst happens.

Our team can help to create you a bespoke policy tailored to your property’s needs. Intasure’s holiday home insurance offers financial support against a range of risks.

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What does holiday home insurance in Portugal cover?

Holiday home insurance can provide cover for several risks posed to property owners abroad, ranging from building damage to theft. We can combine buildings and contents cover into a single policy.

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.

Buildings and contents cover

Our buildings and contents cover extends to outbuildings and swimming pools, common in many warmer parts of Portugal.

The cover offers protection against:

Damage to buildings or contents

due to natural disasters, such as flooding and fires
Escape of water or oil

from household appliances, such as washing machines and dishwashers
Theft

of household contents
Accidental damage

to household goods, carpets, and sanitary fixtures
Loss or damage

caused by electrical power surges

Public liability cover

Public liability cover can protect you against the financial risks of letting your holiday home to paying guests. In such scenarios, this cover offers protection in cases such as a guest suffering bodily injury whilst 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 problems can quickly snowball into serious issues when you’re away from your property. That could be a leaking pipe leading to water damage, or storm damage rendering your home uninhabitable. If a disaster arises, our emergency travel insurance can help to reimburse you for any travel costs when you need to get to your holiday home in a hurry.

Loss of rent cover

If you have a confirmed rental booking that can’t go ahead due to house damage, loss of rent cover can help to cover the lost income.

Alternative accommodation cover

Damage to your property may mean it’s no longer inhabitable. Alternative accommodation cover can cover hotel fees if you need to relocate while repairs are undertaken.

Unoccupancy cover

Unoccupancy cover can help to relieve worries about your property when you’re out of the country. Subject to policy terms and conditions, we can cover your property year-round if you visit weekly, monthly, or just for a couple of weeks a year. For example, small issue like a leaky tap when you’re not there turning into escape of water can still be covered even when you’re not staying at the property.

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 aims to help.

We insure the following property types in Portugal:

Houses and bungalows
Flats and apartments
Villas with swimming pools or hot tubs

Why choose Intasure?

We provide holiday home insurance for areas across Portugal. Here are some more benefits to choosing Intasure:

Customers can tailor insurance to their needs with optional covers
Up to £1 million buildings cover and £5 million public liability cover
Cover for short and long-term lets
Cover whether the property is occupied or not, for up to 60 days
Emergency travel costs for insured claims
Loss of rent cover following an insured claim
Alternative accommodation costs for insured claims

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Policy documents

View and download policy documentation

Need some help?

Call us on 0345 111 0680

Monday – Friday 9am – 7pm

LiveChat

Monday – Friday 9am – 6pm

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Portugal holiday home insurance FAQ

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.

How much does holiday home insurance in Portugal cost?

Holiday home insurance is not a one-size-fits-all service. There is a range of factors that may affect the cost, including:

Your property’s location– for example, areas in close proximity to 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 result in greater insurance costs

Do I need both building and contents insurance?

Buildings insurance and contents insurance can both warrant careful consideration. 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 a financial safety net.

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 protect your belongings.

How do I make a claim?

Making a claim is straightforward. Simply call us on 0345 111 0672, and our dedicated team will be more than happy to help you.

Our mission as second home insurance specialists

We comprise of an in-house team of sales, renewals, customer service, claims, and underwriting specialists. Our aim is to help you find property insurance that suits your needs.

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*correct as at June 2024