Expert insurance
brokerage
in Portugal.
Tailored protection for expats and international residents in Portugal — health, home, car and condominium insurance, all handled in English. Independent and ASF-registered.
Personal cover
for life in Portugal
Insurance for expats, residents, property owners and families in Portugal. We compare the market in English and explain the practical differences before you sign.
Health Insurance
Private health insurance for expats, families, retirees, visa applications and AIMA appointments, with clear guidance on networks, waiting periods and medical history.
- Hospitalisation
- Consultations and exams
- Dental and optical options
- Visa and residency proof
- Pre-existing condition review
- Family plans
Home Insurance
Building, contents and family liability cover for primary homes, apartments, rented homes, villas and second homes in Portugal.
- Mandatory fire cover
- Water damage
- Theft and burglary
- Contents protection
- Family liability
- Pools, gardens and annexes
Car Insurance
Motor insurance for new residents, imported vehicles and everyday driving in Portugal, from mandatory third-party liability to own damage cover.
- Mandatory liability
- Own damage
- Theft and fire
- Glass breakage
- Roadside assistance
- Replacement vehicle
Boat Insurance
Protection for private boats, yachts and leisure craft used in Portuguese waters or kept in local marinas.
- Third-party liability
- Hull damage
- Theft and assistance
- Passenger cover
- Marina requirements
- Navigation area review
Mortgage Life Insurance
Life insurance linked to a Portuguese mortgage, with independent comparison outside the bank proposal whenever suitable.
- Death and disability
- Outstanding loan protection
- Bank policy comparison
- Insurer transfer support
- Foreign buyer guidance
- Annual premium review
Personal Accident Insurance
Financial protection after an accident, including treatment expenses, disability compensation and assistance for active families or frequent travellers.
- Accidental death
- Permanent disability
- Treatment expenses
- Daily allowance
- Repatriation
- 24h assistance
Art Insurance
Specialist cover for fine art, antiques, collections and valuable objects kept in Portuguese homes or moved internationally.
- Agreed value options
- Accidental damage
- Theft and fire
- Transit cover
- Valuation support
- Worldwide extensions
Classic Car Insurance
Insurance for classic, collector and limited-use vehicles, with attention to agreed value, storage and mileage patterns.
- Agreed value
- Limited mileage
- Restoration cover
- Garage requirements
- Event use
- Specialist claims handling
Luxury Car Insurance
High-value and performance vehicle insurance for expats and collectors who need suitable limits, repair networks and usage declarations.
- All-risk options
- High-value vehicles
- Approved repairers
- Track-use exclusions review
- Multiple vehicles
- International assistance
Luxury Home Insurance
All-risks protection for villas, premium apartments and high-value homes, including contents, jewellery, art and outdoor areas.
- Buildings and contents
- Jewellery and valuables
- Art and collections
- Pools and landscaped gardens
- Domestic staff liability
- No underinsurance review
Cybersecurity Insurance
Personal cyber protection for families and high-net-worth individuals exposed to online fraud, identity theft or digital extortion.
- Identity theft
- Online fraud
- Cyber extortion
- Data recovery
- Legal support
- Family device exposure
Condominium Insurance (Algarve)
Policy audits for condominium administrators and owners who need the legal minimum and the real risks properly covered.
Audit your policyLiability for Therapists
Professional liability cover for therapists and complementary-medicine practitioners — acupuncture, homeopathy, naturopathy, massage and yoga — working in Portugal.
Learn moreNot just a policy.
A broker who works for you.
As an independent, ASF-registered broker we work for you, not the insurer. We compare the whole market, explain everything in plain English and stay by your side through every claim.
We work with the best
Who is by your side
Hugo Gonçalves
Hugo Gonçalves is the driving force behind Adler & Rochefort, combining extensive international experience with a unique specialisation in insurance consultancy for expats and residents in Portugal. His vision is clear: to give private clients and their families risk management that transcends the traditional policy.
With a degree in Business Management from the University of Hertfordshire and ongoing training at the prestigious Chartered Insurance Institute (CII), Hugo embodies rigour and excellence. This academic foundation, combined with nearly twenty years at the forefront of global tourism technology at companies such as Hotelbeds (HBX Group), gave him a unique perspective on the needs of high-net-worth clients and the complexities of international asset protection.
Since founding Adler & Rochefort, Hugo has been redefining the role of the insurance broker in Portugal. He has focused on cultivating strong partnerships with leading insurers such as Allianz, April, Hiscox and Zurich, and on giving English-speaking clients clear, independent advice. The result is privileged access to the most effective protection solutions, from health and home insurance to high-value policies for private clients.
His working philosophy is rooted in the conviction that true luxury is the absence of worry. Hugo is dedicated to a meticulous analysis of each client's needs, designing tailored insurance solutions that safeguard their assets and ensure the continuity of their lifestyle in Portugal, always in compliance with ASF supervision.
Insights for expats
in Portugal
When your art collection outgrows your household policy
Where a home policy's sub-limits on art, jewellery and collections stop, why agreed value matters, and how cover follows pieces across borders.
Read articleD&O exposure for non-executive board positions held abroad
Non-executive does not mean non-liable. Why the company's D&O may not protect you, what Side A cover does, and how run-off and cross-border gaps leave directors exposed.
Read articleInsuring 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.
Read articleHealth insurance between Portugal and the United States: what actually covers you
Why Medicare does not travel, the limits of the SNS, and the difference between plans that include the US and those that cover it only for emergencies.
Read articleInsurance for staff employed at home in Portugal
Employing household staff makes you an employer: the compulsory workplace-accidents cover, its limits, and the gaps beyond it.
Read articleAPRIL International Health Insurance in Portugal: expat guide 2026
What APRIL offers expats in Portugal: cover, networks, who it suits and how it compares to Allianz and Médis. Free quote in 24h.
Read articleTravel insurance for expats living in Portugal (2026 guide)
Trips home, Schengen cover and medical abroad — and how travel insurance differs from your health plan. Free quote in 24h.
Read articleAverage car insurance cost in Portugal 2026 (expat guide)
Average premiums, what affects the price, and how expats can pay less — including transferring your no-claims history from abroad.
Read articleAllianz health insurance in Portugal: expat guide 2026
Allianz international cover, plans, networks and who it suits best — and how it compares to Médis and APRIL.
Read articleMédis health insurance in Portugal: expat guide 2026
The Médis network, plans and who it suits — and how it compares to Allianz and APRIL. Free quote in 24h.
Read articleEarthquake 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.
Read articlePrivate Health Insurance With a Pre-Existing Condition in Portugal
How medical history affects private health insurance acceptance, exclusions and waiting periods for expats moving to Portugal.
Read articleGetting Insurance in Portugal Before You Have a NIF or Residency
What can be arranged before local paperwork is complete, and which policies usually require a NIF, address or residency documents.
Read articleHow Much Does Health Insurance Cost in Portugal? Real 2026 Prices by Age
Realistic 2026 health insurance cost ranges in Portugal by age, plus the factors that change premiums for expats and families.
Read articleThe Real Cost of Insuring a Home in the Algarve: What Drives the Price
What affects home insurance prices in the Algarve, from rebuild value and location to rental use, pools, contents and natural hazards.
Read articleMortgage 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.
Read articleHealth Insurance for the D7 Visa: What Counts as Valid Proof
A practical guide to health insurance proof for Portugal D7 visa applicants and residents renewing their status.
Read articleRetiring to the Algarve: Health Cover That Still Accepts You at 65+
Health insurance options for retirees moving to the Algarve, including acceptance, exclusions and alternatives after age 65.
Read articleSNS vs Private Insurance: Do Expats Really Need Both?
How Portugal’s SNS and private health insurance work together for expats, retirees and families.
Read articleFiling an Insurance Claim in Portugal When You Don't Speak Portuguese
How to report an insurance claim in Portugal, what documents to collect and how an English-speaking broker helps avoid delays.
Read articleA Complete Insurance Guide for Americans Moving to Portugal
Essential insurance cover for Americans moving to Portugal: health, home, car, liability, mortgage life and claims support.
Read articleBritish Expats After Brexit: What Changed for Your Insurance in Portugal
What British residents and property owners in Portugal should review after Brexit across health, travel, car and home insurance.
Read articleInsuring a Second Home You Rent Out: Holiday-Let vs Standard Home Cover
Why a rented second home in Portugal needs declared holiday-let cover instead of ordinary home insurance.
Read articleWhat 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.
Read articleLuxury and supercar insurance in Portugal: protecting exceptional vehicles
Specialist all-risks cover for supercars, classics and limited editions — no maximum capital ceiling, agreed value and pay-per-use premiums. Built for expats with exceptional cars.
Read articleLuxury home insurance in Portugal: all-risks cover and reinforced capital
All-risks protection for luxury villas and holiday homes in Portugal: reinforced capital, art and jewellery cover, gardens and pools, and no proportional rule. For expats and second-home owners.
Read articleHoliday 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.
Read articleAmerican investment in Portugal's luxury segment: how Adler & Rochefort protects those betting on premium
US capital is reshaping Portugal's luxury property market. See how Adler & Rochefort helps American buyers and investors protect homes, cars and high-value assets in Portugal.
Read article20 years of tourism experience: how real-world expertise transforms insurance brokerage for hospitality
Hugo Gonçalves brings nearly 20 years of global tourism experience to insurance brokerage. Discover how that international background shapes clear, English-speaking advice for expats in Portugal.
Read article
How to choose the best car insurance in Portugal: complete guide 2026
Complete guide to choosing the best car insurance in Portugal. Coverage comparison, tips to save on premiums and what changes in 2026.
Read article
Health insurance in Portugal: complete guide to protecting your family
Everything you need to know about health insurance in Portugal: how it works, NHS vs private insurance, and how to choose the ideal plan.
Read articleHealth insurance for expats in Portugal: Allianz, Medis & AdvanceCare
The definitive guide for expats: how health insurance works in Portugal, what Allianz, Medis and AdvanceCare cover, and why you need an independent broker.
Read articleAllianz vs APRIL vs Médis: which is the best health insurance in Portugal in 2026
Independent 2026 comparison of Allianz, APRIL and Médis: premiums, coverage, waiting periods and network. Personalized quote in 24h.
Read article
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.
Read article
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.
Read articleLiability insurance for complementary and alternative medicine practitioners
Acupuncture, homeopathy, naturopathy or yoga — learn what the law requires and how to protect your practice with the right insurance.
Read articleQuestions? We have answers.
Ready for
real protection?
Book a free analysis. Within 48 hours we identify gaps, compare alternatives and present a concrete plan — no obligation.