Insuring a high-value home in Comporta & Melides
Between the rice fields, pine forest and dunes of the Alentejo coast, Comporta and Melides have become one of Europe's most sought-after second-home destinations — and one of the more particular places to insure a house.
What is different in Comporta & Melides
Timber, thatch and pine forest
Many houses use timber structures and thatched roofs, surrounded by pine woodland. Insurers look closely at construction materials, the distance to vegetation and fire protection before accepting the risk.
Homes that stand empty
Most houses here are lived in for part of the year. What changes in the policy after a number of days without anyone in the house must be read for each contract.
Building and renovating
New builds and major renovations need construction cover during the works, and the home policy has to be in place on the day the house is handed over.
What we arrange in Comporta & Melides
High-value homes
The house, its contents and valuables, with the sum insured based on rebuild cost.
Art, jewellery & watches
Listed items on an agreed value, at home and when travelling.
Family liability
Limits in line with the household's assets — for guests, staff and every home.
How we work
In writing first
We read your current policies and the property before proposing anything, and send you a written opinion.
Specialist insurers
Homes and valuables are placed with insurers that specialise in private clients, chosen for the wording each risk needs; international health with Allianz Care, Cigna Global and APRIL International — always subject to the insurer accepting the risk.
One adviser, two countries
Portugal and Spain with the same adviser. In Spain we work under the EU freedom to provide services.
Request a written opinion
Tell us where the property is, what you would like to insure and which policies you have today.
Ask for a quote — it takes under a minute
Leave just the essentials and we will reply in writing. As each proposal is specific and requires a detailed analysis of the risk, response times may vary. We ask for the rest by email.
What we will ask for your quote
After the first contact we ask for these details by email. If you have them to hand, you can send them now to insurance@adlerrochefort.com.
- Full name
- Full address of the property
- Portuguese tax number (NIF)
- Gross construction area
- Year of construction
- Main or second home
- Occupation
- Age
- Buildings sum insured
- Contents sum insured
- Valuables sum insured
By sending this form you agree to us using your details to prepare and discuss your quote, in line with our privacy policy. We never sell your data. Adler & Rochefort is a trading name of Ownizo, Unipessoal Lda., registered in Portugal with the ASF under no. 425591790/3 and in Spain with the DGSFP under the freedom to provide services (LPS).
Thank you
Your request has been received. Our team will get back to you. As each proposal is specific and requires a detailed analysis of the risk, response times may vary.
Frequently asked questions
Do you arrange cover for homes in Comporta & Melides?
Yes. Adler & Rochefort is registered in Portugal with the ASF (no. 425591790/3) and in Spain with the DGSFP (LPS). Cover is placed with specialist insurers, subject to their acceptance of the risk and to the policy wording.
Is there a minimum value?
Each specialist insurer sets its own entry level, based on the rebuild cost, the contents and the valuables. Below that, a well-built standard policy is often the better answer, and we say so in writing.
Is earthquake cover included?
Not automatically. In Portugal earthquake cover is an option that has to be added to the home policy, usually with its own excess. Whether it makes sense depends on the property and its location.
General information. Cover, conditions, limits and exclusions depend on the insurer, the policy wording and the acceptance of the risk.