Insights — Insurance in Portugal, explained
Insights — page 10.
When your Algarve home earns income part of the year: personal use vs AL cover
A home that alternates between family use and paid stays needs wording that follows both realities, not just one of them.
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 articleInternational health cover when your children are at school abroad
How families based in Portugal should review international health insurance when children study at boarding school, university or school abroad.
Read articleLong-term care planning for foreign residents in Portugal
How foreign residents in Portugal should think about private health cover, assistance benefits and family planning for later-life care needs.
Read articleMedical evacuation and repatriation cover for residents who travel constantly
Why Portugal-based residents who travel often should check medical evacuation, repatriation and emergency transport wording before relying on a policy abroad.
Read articleMoving to Portugal with a pre-existing condition: what changes in your health cover
What foreign residents should expect when arranging health insurance in Portugal with an existing diagnosis, medication or treatment history.
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 articleDivorce and separation: how jointly-held cover unravels
Home, car, health, life and high-value asset policies can stop matching reality once a couple separates or divides property.
Read articleEmploying a nanny, driver or gardener at home: the full employer obligation nobody explains
Private households in Portugal need to understand registration, social security, workplace accidents and liability before staff start work.
Read articleRather talk
it through
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