Insurance for
high-value estates.
Homes, art and collections, liability and family protection, in Portugal and Spain. Individually underwritten, advised in writing, and one adviser — from first contact to claim.
Living abroad, or about to? Health cover that moves with you.
For families, relocated professionals and retirees living outside their country of nationality: Allianz Care, Cigna Global and APRIL International compared in writing, at no cost to you.
One standard,
on both sides of the border.
Lisbon, Cascais and Sintra, Comporta and Melides, the Algarve, Porto and the Douro, Madeira. Primary residences, second homes and estates — with the collections, cars and people that live in them — reviewed as one household.
The same private-client standard in Spain, placed with insurers licensed there and with specialist high-net-worth capacity — under the ASF registration that covers both markets, with one adviser for households that live across the two.
What we insure
For private clients and their families, in Portugal and Spain.
One registration.
Two markets. One adviser.
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, operating in Spain under the EU freedom to provide services.
Head office in Lisbon, with clients across mainland Portugal, Madeira and Spain.
We never name a client or show what they insure. The only public reviews are those clients chose to post on Trustpilot. What you own goes only to the underwriters you instruct us to approach.
No exclusivity with any insurer. Proposals are chosen for wording, service and claims record — never for the lowest premium.
The adviser who placed the cover handles the claim with the insurer and the loss adjuster, in writing, until it is settled.
Rarely the cheapest proposal.
Written to pay.
We work with a restricted panel of insurers and specialist underwriters, chosen for their wordings and for how they behave when a claim arrives. The premium is the result of the analysis, never its starting point — and if the lowest price is the deciding criterion, we would rather say so now.
What our clients say
TrustScore 4.3/5 · 8 reviews · Trustpilot
Great for this US expat with ‘vacation’ property awaiting my relocation
I was drawn to Adler & Rochefort because they were comfortable with English communication … and worked with second/vacation home owners. It was reassuring that I was asked for specific information about the property and my needs, with follow-up, before a quote was obtained. … Coverage is a clear match for my needs.
Hugo provided excellent detailed and…
Hugo provided excellent detailed and thorough service in the transition from our old policy to a new and better policy that served our needs. We highly recommend him and Adler & Rochefort for their professionalism and attentiveness.
Amazing service - highly recommend
Amazing service. Hugo was hugely knowledgeable and gave us quotes incredibly fast. He was always at the end of the phone answering questions and was very diligent in getting the right insurance for us. Highly recommend.
Read all reviews on Trustpilot →
Reviews as published on Trustpilot (September 2026).
Insurers & co-brokerage partners we work with
Insurer relationships and product availability vary by market. In Spain we place property cover with specialist insurers; the insurer proposed is always named in writing with the proposal.
Professional memberships & associations
Adler & Rochefort is a member of recognised business, expatriate and insurance industry organisations in Portugal.
Who is by your side
Hugo Gonçalves
Hugo Gonçalves founded Adler & Rochefort to give private clients in Portugal and Spain the kind of insurance advice usually reserved for a family office: one person who reads every policy the household holds, knows where each one stops, and is still there when a claim is made.
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.
Adler & Rochefort works with specialist insurers and co-brokers, with access to specialist high-net-worth capacity in Portugal and Spain. That is what allows a high-value home, a collection or a family liability exposure to be underwritten individually rather than rated from a table — and what allows the firm to say plainly when a well-built standard policy is the better answer.
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
Private clients: the questions we are asked first.
The policy you hold
already shows what is missing.
Send it to us. We reply in writing — what it covers, where it stops, and what we would change. No meeting required, no obligation. Each proposal is prepared for a specific risk and requires a detailed analysis, so response times may vary.
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 is registered in Spain with the DGSFP under the freedom to provide services (LPS).