Insurance in Portugal
and Spain,
explained in English.
Health, home, car, life and private-client insurance for expats and international residents — compared across the market and explained in plain English. Not tied to a single insurer. ASF-registered, serving Spain on a cross-border basis.
Two markets,
each on its own terms.
Insurance support for international clients relocating to, or already living in, Portugal — our home market, with several years of experience arranging cover in English.
Insurance for international residents, property owners and families in Spain, explained in English — we are building our Spanish insurer relationships and will confirm honestly what can currently be arranged.
What do you need
to protect?
Health, home, car, life and private-client insurance — for international residents in Portugal and Spain. We compare the market in English and explain the practical differences before you sign.
Private health cover for expats, families, retirees and visa or residency proof.
Building, contents and landlord cover for owners, tenants and landlords.
Motor insurance for new residents and everyday driving, from mandatory liability upward.
Life cover and mortgage protection for families and property buyers.
One broker, several risks, reviewed together — high-value homes, cars, art and collections.
Cover for
the less ordinary.
Beyond everyday insurance, Adler & Rochefort arranges cover for specialist vehicles, collections and professional risks — available in Portugal.
Insurance advice
with a real broker behind it
Adler & Rochefort is the trading name of Ownizo, Unipessoal Lda., ASF-registered insurance broker n.º 425591790/3 — a public registration you can check independently.
ASF-registered in Portugal, no. 425591790/3, serving Spain under Freedom of Services.
Quotes, explanations, correspondence and claims, all handled in English.
One broker across both markets, with honest differences between the two explained.
Health, home, car, life and private-client cover, coordinated rather than sold in isolation.
Support understanding the claims process and communicating with the insurer, where the policy allows.
Not just a policy.
A broker who works for you.
As an ASF-registered insurance broker we place your case across the insurers we represent, compare what each of them will actually offer for your profile, explain everything in plain English and stay by your side through every claim.
We work with the best
Insurer relationships and product availability vary by market — the insurers above operate in Portugal. Our Spanish insurer relationships are still being built; tell us what you need and we will confirm honestly what can currently be arranged in Spain.
Professional memberships & associations
Adler & Rochefort is a member of recognised business, expatriate and insurance industry organisations in Portugal.
MyCoverVault Private clients
Smart management of your personal insurance. MyCoverVault brings every policy together in one place and uses AI to simplify payments, handle claims and suggest improvements to your cover — all in English.
Who is by your side
Hugo Gonçalves
Hugo Gonçalves is the driving force behind Adler & Rochefort, combining extensive international experience with a unique specialisation in insurance consultancy for expats and residents in Portugal. His vision is clear: to give private clients and their families risk management that transcends the traditional policy.
With a degree in Business Management from the University of Hertfordshire and ongoing training at the Chartered Insurance Institute (CII), Hugo works from a technical grounding rather than a sales one. Nearly twenty years at the forefront of global tourism technology at companies such as Hotelbeds (HBX Group) gave him a working knowledge of how international clients hold assets across several countries, and of what that does to a policy written in one of them.
Since founding Adler & Rochefort, Hugo has been redefining the role of the insurance intermediary in Portugal. He has focused on cultivating strong partnerships with leading insurers such as Allianz, April, Hiscox and Zurich, and on giving English-speaking clients clear, independent advice. The result is access to the markets that will underwrite a risk individually, from health and home insurance to policies for private clients with assets the retail market will not take.
His working method is to read the policy before recommending it, and to say plainly where the cover stops. Each client's needs are analysed in detail, cover is built around what they actually own and where it is kept, and everything is done under ASF supervision.
Insights for
international residents
The best home insurance in Portugal in 2026: Zurich, Allianz, Hiscox and Liberty Mutual compared
A side-by-side comparison on rebuild value, valuables, letting, unoccupied property and English documentation — with a recommendation by profile.
Read articleCover for items a standard contents section will not carry
Valuables sub-limits, the single-article limit, scheduled versus unscheduled items and what changes when a collection is insured on its own terms.
Read articleHealth insurance for a Portugal residency visa
What cover your residency visa needs, what consulates and AIMA accept as proof, and how SNS access changes once you have residency.
Read articlePrivate Health Insurance in Spain: A Guide for Expats
How private health insurance fits alongside Spain’s public healthcare system, what it typically covers, and the practical questions to ask before you buy — written for expats and international residents.
Read articleCar Insurance in Spain for Expats: Complete Guide
A complete guide to car insurance in Spain for expats and international residents: the legal baseline, cover types, foreign licences, foreign vehicles, documents and how to get a quote.
Read articleInsurance to Consider When Buying Property in Spain
A practical checklist of the insurance questions that come up when buying property in Spain — buildings, contents, mortgage protection, life cover and landlord insurance if you plan to let it.
Read articleQuestions? We have answers.
Ready for
real protection?
Book a free analysis. Within 48 hours we identify gaps, compare alternatives and present a concrete plan — no obligation.
Regulatory authorities
Insurance distribution activities are supervised by the competent regulatory authorities.
Portugal
Autoridade de Supervisão de Seguros e Fundos de Pensões
España
Dirección General de Seguros y Fondos de Pensiones
Ownizo, Unipessoal Lda. is registered with the ASF under no. 425591790/3 and operates in Spain on a cross-border basis from that registration.