Home &amp; Property

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.

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.

Company Ownership

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.

Heritage Property

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.

Cross-Border Cover

Insuring 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.

Condominium

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.

Condominium

What Your Condominium Insurance Doesn't Cover (and Why You Still Need Contents Cover)

Condominium insurance protects shared building risks, but owners still need contents and private liability cover for their own apartment.

How much does home insurance cost in the Algarve?

Indicative annual premiums by property type, what moves the price up or down, and why the cheapest quote is often the most expensive.

Mortgage Life

Mortgage Life Insurance for Foreign Buyers: How to Stop Overpaying Your Bank

Foreign buyers in Portugal often accept bank life insurance by default. Learn how to compare alternatives and reduce mortgage protection costs.

Holiday Home Insurance

Holiday home insurance in Portugal: cover built for a second residence

A second home is used differently from where you live. See how specialist cover protects buildings, contents, pools and gardens, your liability, and adds emergency travel for owners who live abroad.

April 2026

Home insurance and legalization: why illegal construction can void your coverage

Unlicensed construction can compromise your insurance payout. Learn why having all aspects of your property legally compliant is essential.

March 2026

Home insurance in Portugal: how to choose the right protection for your property

Practical guide to home insurance in Portugal: mandatory coverage, building vs contents insurance, and how to protect your property at the best price.