Home & Property
Home & Property — page 3.
Above a certain value, a standard home policy stops working
Named perils, the proportional rule, valuables sub-limits, gardens and pools, the unoccupancy clause, and what individual underwriting involves.
Read articleThe 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.
Read articleWhat changes when the buyer is American
The proportional rule instead of coinsurance, named perils, liability without an umbrella, earthquake by zone, and ownership through a structure.
Read articleWine 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.
Read articleZurich home insurance in Portugal: expat guide 2026
What Zurich offers on a Portuguese multi-risk policy, where it is strong, and the three things to check before you sign.
Read articleTitle risk when buying property in Portugal: what US and UK buyers assume, and what actually protects them
US and UK buyers expect title insurance when buying property in Portugal. It is not a routine step here — this explains what actually protects the buyer, and where the title risk really sits.
Read articleBuilding a home in Portugal: promoter insurance and the seguro decenal explained
Before the home policy exists, construction works, public liability and structural defects need their own insurance plan.
Read articleCoastal 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.
Read articleSwimming 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.
Read articleGolf 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.
Read articleRather talk
it through
An ASF-registered insurance broker reviews your situation, compares the market and replies within one working day. No obligation, in English.