Portuguese Holiday Home Insurance
Get great value for money Portuguese Holiday Home Insurance today with InsuraHome!
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Holiday Home Insurance Portugal
Portuguese Holiday Home Insurance
Owning a holiday home to laze away the summer or even winter months underneath the Portuguese sun is quickly becoming as popular amongst British residents as it is in neighbouring Spain.
Despite its relatively small size compared to its neighbour, Portugal is dotted with various UNESCO heritage sites and historical castles aside from its typical sunny tourist attractions. So, whether it’s the endless sunny beaches littering the Algarve, the natural beauty of the Atlantic islands of Madeira and Azores or the mainland there is plenty on offer for holiday homeowners in the Republic of Portugal as it is formally known.
If you own a holiday or second home in Portugal it is important not to take unnecessary risks and therefore you may be looking to get some financial protection in case the unexpected happens. To protect you and your Portuguese holiday home, you will need specialist holiday home insurance for your second or holiday home insurance in Portugal as a normal home insurance property is unlikely to be suitable for this requirement.
InsuraHome Portuguese Holiday Home Insurance has been specifically designed for individuals living in the United Kingdom who own a second property or holiday property Portugal.
Click Here to Request a Quote >>>
Or speak to an InsuraHome Portugal Holiday Home Insurance Specialist by calling +44 (0) 1483 806 815
What is Portuguese Holiday Home Insurance for Properties in Portugal?
An overseas holiday home or second property I Portugal presents unique risks that are different to those covered under a standard home insurance policy. The properties are often left unattended for extended periods of time or are let out for holiday makers on short term lets and are therefore at greater risk of damage or vandalism during these periods.
Therefore, a specialist Portuguese holiday home insurance policy is required to provide protection where a normal home insurance would not.
Our InsuraHome Holiday Home Insurance for properties in Portugal can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, whilst automatically including Legal Expenses cover. With a case-by-case approach, Insurahome Portuguese Holiday Home Insurance can provide your holiday home or Portuguese holiday let property with the protection you require.
InsuraHome Portuguese Holiday Home Insurance is Available For:
- Policy applies to short term holiday lettings or;
- Properties used for own use, or friends & family.
- Policy applicable to properties owned by UK residents situated in France, Spain, Italy, Portugal and The Republic of Ireland
InsuraHome Holiday Home Insurance Portugal Provides Cover for A Number of Perils is included, such as damage caused by:
- Fire, lightning, explosion or earthquake.
- Storm, flood or weight of snow.
- Collision by any vehicle or animal.
- Theft or attempted theft.
- Falling trees, telegraph poles or lamp-posts.
- Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
- And more!
Click Here to Request a Quote >>>
Or speak to an InsuraHome Portugal Holiday Home Insurance Specialist by calling +44 (0) 1483 806 815
Main Features of InsuraHome Portuguese Holiday Home Insurance Insurance
The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please refer to the Portugal Holiday Home Insurance Policy Wording.
Buildings Insurance Summary of Cover – InsuraHome Second Home Insurance Portugal
| Cover | Limit (£) |
|---|---|
| Accidential Damage to Fixtures & Fittings | Automatically Included |
| Loss of Rent/Alternative Accomodation | 25% of buildings/24 months |
| Trace and access | Up to £5,000 |
| Replacement Locks | Up to £5,000 |
| Theft/attempted theft by guests/tenants | Up to £10,000 any one claim |
Contents Insurance Summary of Cover – InsuraHome Second Home Insurance Portugal
| Cover | Limit (£) |
|---|---|
| Accidential Damage to Electronic Equipment | Automatically Included |
| Guests & Visitors personal effects | Up to £ 1,000 any one claim |
| Loss of Metered Water or Oil | Up to £2,500 |
| Replacement locks | Up to £5,000 |
| Domestic freezer cover | Up to £500 |
Legal Expenses Insurance – InsuraHome Second Home Insurance Portugal
| Cover | Limit (£) |
|---|---|
| Legal Expenses | Automatically Included |
Liability Insurance – InsuraHome Second Home Insurance Portugal
| Cover | Limit (£) |
|---|---|
| Accidents to Domestic Staff | £10,000,000 |
| Legal Liability to the Public | £5,000,000 |
Click Here to Request a Quote >>>
Or speak to an InsuraHome Portugal Holiday Home Insurance Specialist by calling +44 (0) 1483 806 815
Frequently Asked Questions for Holiday Home Insurance Portugal
What Insurance do I need for a holiday let in Portugal?
As the risks associated with insurance for your own home are different to those associated with renting out your property as a holiday home, you will often need to get specialist Holiday home insurance to cover these specific risks that are not covered under or excluded under a standard home insurance policy.
What insurance do I need for Airbnbs in Portugal?
Airbnb offer their hosts ‘Host Protection Insurance’ up to $1 million per rental to provide hosts with liability coverage and where applicable their landlords subject to certain terms, conditions and limitations. They also provide a free ‘host guarantee’ that covers damage to the host’s home or property caused by guests, up to $1million subject to numerous terms and conditions. This however is not insurance and Airbnb states that it “should not be considered a replacement or stand-in for homeowners or renters’ insurance” – click here to find out more. This also does not mean that it will cover everything and therefore it is always a good idea to get holiday home insurance that covers Airbnb lettings that meet your property requirements to ensure you have the protection you require.
Do I need Public Liability Insurance for a holiday let in Portugal?
Unlike an employer legally being required to have Employers Liability Insurance, there is no legal requirement for a holiday homeowner to have public liability insurance. However, if a guest staying in your let property were to sustain an injury from an accident whilst staying in your property you could be left substantially out of pocket from an expensive medical bill. Therefore it is always a good idea to include Public Liability Insurance on your Holiday Home Insurance policy
Contact InsuraHome Portuguese Holiday Insurance UK
If you wish to speak to one of our Portugal Holiday Home Insurance Specialists:
Call: +44 (0) 1483 806 815
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here
How do I get an InsuraHome Home Insurance Quote for Holiday Homes in Portugal?
At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.
To get an InsuraHome Portuguese Holiday Home Insurance quote, click any of the ‘request a quote’ buttons on this page and fill out our short online application form.
Click Here to Request a Quote >>>
If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Portugal Holiday Home Insurance specialists on +44 (0) 1483 806 815
Why Choose InsuraHome Insurance
InsuraHome features a range of great benefits as standard. InsuraHome also features some great add-ons for you to tailor your policy and so you only pay for the additional cover you need.
- Loss or Damage caused by Fire, Smoke, Explosion, Lightning or Earthquake
- Loss or Damage caused by Storm, Hail or Weight of Snow
- Loss or Damage caused by Flood
- Loss or Damage caused by the escape of water
- Cover for Theft or Attempted Theft
- Facility to transfer any no claims history from a previous insurer
- A choice of policy excess – £100, £250, £500 or £1,000
- Covers the cost of alternative accommodation if your property is left uninhabitable due to an insured event
- Cover in case of Subsidence, Heave or Landslip is available
- Accidental Damage cover is available
- Online Policy Documentation
- We don't store credit card details
- + Lots more
More InsuraHome Details
Here at InsuraHome, we aim to provide cover when other Home Insurers say no!
What's more, we can provide Home Insurance for Home's that do not fall into the criteria to be termed a 'Standard Household'. So whether it's a Holiday Home in Europe, a property that has a non-standard construction type, or you have challenging personal circumstances, we can offer policies to you.
We review each and every application on a personal, case by case basis, customising your specialist Home Insurance to meet your individual needs! Our highly trained Home Insurance specialists will provide you with a fast, friendly, and professional service at competitive pricing.
Please Note - When purchasing Home Insurance you will be required to provide the rebuild cost of your home to the insurers. If you are unsure of your rebuild cost, please either request a rebuild cost assessment from a chartered surveyor or use the Rebuild Cost Calculator below
House Rebuild Costs
When taking out Home Insurance, you are insuring your house for the cost of rebuilding it to the same standard as it is now, you are not insuring it for its value on the open market. When quoting you for a Home Insurance policy we will ask you for the rebuild cost of your home.
If you are not sure how much it would cost to rebuild your home then you can either have a rebuild cost assessment carried out by a Chartered Surveyor (which some insurers prefer) or you can use the house rebuild cost calculator below.