High-Value Homes
High-Value Homes — page 3.
The security conditions attached to your policy
Condition or recommendation, safe rating and anchoring, alarm grade and monitoring, the underwriter survey, and keeping the conditions true.
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Wine cellars at home: storage conditions, valuation and cover
Spoilage after a cooling failure, the storage conditions an insurer attaches, how a cellar is valued, and wine in transit or bonded storage.
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Coastal and clifftop properties in the Algarve: subsidence, erosion and flood
Sea views can bring underwriting questions: slope stability, erosion, flood maps, retaining walls and storm exposure.
Read articleSecond homes that sit empty for months: the unoccupancy clause that voids your cover
A second home can be perfectly maintained and still fall outside cover if the policy limits how long it may remain empty.
Read articleSolar panels, home batteries and EV chargers: your home is modern, your policy isn't
Modern upgrades change replacement values, electrical risk and liability, but many home policies still describe an older house.
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Swimming pools, jetties and private access: the liability nobody insures
Pools, jetties, paths and gates feel like lifestyle features, but they can become the most serious liability exposure on the property.
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Golf resort properties: where the resort's insurance ends and yours begins
What the resort and association policy really covers, the gap left for your villa's interior, contents and liability, and the effect of letting.
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Insuring a home with staff quarters, guest annexes and outbuildings
Every structure on the plot has to be declared and valued: how staff quarters, annexes and outbuildings change the sum insured, the liability and the cover.
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Insurance for properties held through a company structure
When a Lda, LLC or offshore holding owns the building, the policy has to name the right entity — or a claim can fail on the mismatch.
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Renovating a listed or heritage property in Portugal: insurance during and after the works
Why a home policy doesn't cover a building site, where the builder's cover ends, and the extra cost of restoring protected fabric.
Read articleInsuring a property portfolio across two jurisdictions
Why a Portuguese home needs a Portuguese policy, how occupancy decides the claim, and how to align sums insured across properties in two countries.
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Earthquake cover for Algarve condominium buildings
Why earthquake cover matters in the Algarve, what mandatory fire insurance leaves out, and how to close the gap. Free policy audit.
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