Insights — Insurance in Portugal, explained
Insights — 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 articleWhen the insured value stops matching the thing insured
How the regra proporcional cuts settlements, why rebuild costs and collections drift apart from the schedule, and how often each class needs revaluing.
Read articleCover for fraud, impersonation and extortion against a household
Payment diversion on a property purchase, unauthorised against authorised-but-deceived transfers, extortion conditions and the hours after it happens.
Read articleWho pays for the dispute: personal legal expenses cover
What it funds by category, why it matters more to a foreign owner, prospects-of-success and notification conditions, and bundled against standalone.
Read articlePrivate use, paid use and the line between them
What happens to a policy when a private boat carries paying guests, what commercial cover requires, and how mixed use is declared.
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 articleMoving a collection: the gap between the removals cover and yours
Carrier liability is not insurance. Declared-value transit cover, general average, packing and condition reports, customs and the storage gap.
Read articleSolar panels, EV chargers and heat pumps: are they covered by your home policy?
Whether new installations count as building or contents, the electrical damage sub-limit that caps most claims, and the certification question.
Read articleThe unoccupancy clause: what happens when your Portuguese home sits empty
Why theft and water damage cover can lapse after 30, 60 or 90 days, how to find your own number, and five ways to keep the cover intact.
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 articleGetting a valuation that an underwriter will accept
Basis of valuation, what the document must contain, who can issue one in Portugal for each class of object, and how often it has to be redone.
Read articleHow to claim for water damage on a Portuguese home policy
The first 48 hours, what the policy actually pays for, the sub-limit that decides the outcome and the reasons settlements get reduced.
Read articleRather talk
it through
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