Insights — Insurance in Portugal, explained
Insights — page 8.
Who 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 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 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 articleCover for possessions when they are not at the insured address
The temporary removal extension and its limits, scheduled worldwide all-risks, the unattended-vehicle exclusion, and where travel insurance stops.
Read articleBerthed in the Algarve: what the marina requires and what it does not cover
The berth contract as an insurance document, marina by marina, local risks alongside, live-aboard declarations and the boat between seasons.
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 articleFiscal representation in Portugal, explained
When a fiscal representative is required, when the obligation ends after residency, what the role covers and how to change representative.
Read articleRather talk
it through
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