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Protect your second property in Portugal with holiday home insurance.

If you’ve landed on this page, there’s a good chance you either currently own a property in Portugal or are interested in buying one. In either case, you’ll want to mitigate risks posed to your prized asset while you’re away.

Portugal is one of the oldest nation-states in Europe. It’s bursting with culture, has low crime rates, and a high living standard, making the country an excellent base for a holiday home. But if you want to ensure your finances aren’t affected in the event of a crisis, 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.

To learn about the cover included in our Portugal home insurance policies, contact our dedicated customer service team or click the button below for a quote.

What is Portugal holiday home insurance?

Picture the scene: 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 flooding inside your home. Whatever the disaster may be, Portugal holiday home insurance ensures your finances aren’t affected when the worst happens.

We offer cover for properties abroad whether they’re occupied or not, ranging from public liability insurance (up to £5 million) to loss of rent protection when a building is rendered inhabitable. As Portugal experienced landslides due to significant flooding in 2020, you should carefully consider the consequences of not having adequate holiday home insurance.

What does holiday home insurance in Portugal cover?

Holiday home insurance covers several risks posed to property owners abroad, ranging from building damage to theft. We wrap up buildings and contents cover into a straightforward package here at Intasure. Why? Because it means you, the policyholder, pays less than if offered these covers separately. But that’s not all. There are several optional covers we offer too, which are discussed below.

Buildings and Contents Cover

Our buildings and contents insurance covers any damage caused to the structure of your holiday home, including theft or loss to your contents. You can also insure any outbuildings and swimming pools that are connected to your Portugal holiday home

In summary, we protect against:

  • Damage to buildings or contents due to natural disasters, such as extreme weather, floods, fires, storms, and earthquakes (dependent on location).
  • Escaped water, sewage, or oil from household appliances, such as washing machines and dishwashers.
  • Theft of personal property, money (up to £250), and valuables.
  • Loss or damage caused by electrical power surges.
  • Accidental damage to household goods, carpets, sanitary fixtures, etc.*
  • Lost or stolen keys can also be covered.

* Please refer to your policy details, accidental damage cover is an optional extra which can be included in your policy

Public Liability Cover

If you’re planning to make rental income from Portugal’s tourism market, you’ll first need to assess the risks involved. For instance, what would you do if a paying guest raises a compensation claim due to injury? Or their belongings are stolen while inside your property? In these scenarios, public liability cover can help. Rest assured that Intasure offers up to £5 million in protection, which can cover any legal costs and losses incurred if found liable.

Emergency Travel Cover

If you need to rush back to your second home when a disaster arises, you’ll want insurance that reimburses your travel costs. That’s precisely what Intasure’s optional emergency travel cover can do in the event of an insured event.   

Loss of Rent Cover

If your property is rendered unhabitable by damage, you could lose rental income. In these circumstances, our loss of rent insurance can step in and cover the money you would have earned from paying guests.    

Unoccupancy Cover

Planning on only staying at your second home intermittently? Then opt for Intasure’s unoccupancy cover, and you’ll have protection if the property is left vacant and up to 60 days for metered oil and water.

What Portuguese properties can I cover?

Whether it’s a luxury villa by the sea, a cosy apartment in Porto, or a rustic holiday home in the Portuguese hinterland, Intasure has you covered.

We insure the following properties in Portugal: 

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

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:

  • The size of your property – larger properties typically incur higher insurance costs. This is also true if you have extra facilities, such as a pool or hot tub.
  • The age and upkeep of your property – modern properties often cost less to insure.
  • The contents in your property – if you have high-value belongings in your house, there’s a good chance you’ll pay more for insurance.

Why choose Intasure?

Intasure is in the know when it comes to the ever-changing landscape of overseas markets. We have a wealth of knowledge relating to foreign authorities’ regulations, which means our policies are continually adapted to the most recent Portuguese rules. Here are a few other reasons to choose Intasure:

  • We have specialist knowledge of insuring properties in Portugal – understanding laws and regulations in foreign property markets.
  • We have an English – speaking and UK-based customer service team.
  • Our policies can be tailored – to your needs through optional extras.
  • We have high levels of cover – up to £1 million buildings and £5 million public liability.

Holiday Home Insurance Portugal 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.

What does holiday home insurance in Portugal not cover?2022-03-22T12:40:12+00:00

Intasure’s holiday home insurance does not cover the following:

  • Loss, damage, liability, cost, or expense caused by an act of terrorism.
  • Damage caused by faulty workmanship, defective design, or defective materials.
  • Damage caused by pets.
Do I need both building and contents insurance?2022-03-22T12:36:27+00:00

Neither buildings insurance nor contents insurance is a legal requirement in Portugal. However, they both warrant careful consideration. Why? One reason is that Portugal’s prone to natural disasters, and, if you plan on spending time away from your property, you’ll want a safety net in place.

Do I legally need holiday home insurance in Portugal?2022-03-22T12:35:46+00:00

Holiday home insurance isn’t legally required in Portugal. However, many mortgage providers do insist that you have buildings insurance. While mortgage providers don’t usually require contents insurance, it’s a step you might want to take to protect your belongings.

Intasure Customer Reviews

To find out more about our property insurance in Portugal, call us today on 0345 111 0680 and talk to one of our sales team, or fill in our online form for a no-obligation quote today.

*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

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