Insights — Insurance in Portugal and Spain, explained
Insights — page 4.
Insurance for Families Living in Spain: What Should You Review?
Health, home, car and life for a family living in Spain — and how to work out which apply to your situation rather than assuming you need all four.
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Home insurance in Comporta and Melides: thatch, timber and what insurers ask first
Thatch, timber and glazing put this coast outside a standard multi-risk wording. What insurers decline, what they place with warranties, and why rebuild cost here ignores national averages.
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Home insurance in Quinta do Lago, Vale do Lobo and Vilamoura: what the sum insured leaves out
Pools, guest annexes, staff quarters, courts, landscaping and boundary walls sit outside most sums insured — on these properties that is a six-figure omission.
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Home insurance for villas and quintas in Sintra: Linhó, Beloura, Penha Longa and Colares
The serra brings a legal land-clearing obligation that can be raised at claim stage, a humidity problem the policy calls maintenance, and quintas where reinstatement is not rebuilding.
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Portuguese Health Insurance vs International Health Insurance: Which One Do You Actually Need?
For most residents a Portuguese policy is the better decision. This sets out precisely where international cover earns the higher premium — and where it does not.
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Insuring a boat kept in Portuguese waters
Hull on an agreed value and liability to marina requirements, navigation limits, skipper and crew, lay-up periods and what registration changes.
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What you need to insure a property in Portugal: the document checklist
The five essentials, what the insurer asks that no certificate shows, and what to do when a licença de utilização is missing.
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Employing domestic staff in Portugal and Spain: the insurance the law requires
Workers’ compensation is compulsory for a housekeeper or gardener, and your home policy specifically excludes injury to your own employees.
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The liability a household carries without noticing
Children, dogs, bicycles, contractors and the pool: where personal liability comes from, what limits are realistic, and what the policy excludes.
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Home insurance in Loulé and Almancil: from the resorts to the serra
Quinta do Lago and Vale do Lobo at one end, converted farmhouses and wildfire exposure at the other.
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When there is no off-the-shelf policy: how a specialist risk is placed
Intermediary, underwriting agency and insurer capacity; what delegated authority and a coverholder actually are; what you must supply, and realistic timescales.
Read articleBringing a boat to Portugal: flag, registration and the delivery passage
Flag and registration, VAT status and temporary admission, insuring a delivery passage or a road move, and the file to keep aboard.
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it through
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