Insuring a high-value home in Lisbon
Lisbon's high-value homes are mostly apartments in historic buildings — Chiado, Príncipe Real, Lapa, Avenida da Liberdade — and townhouses with gardens. The building, the interior and the collection inside it are three different insurance questions.
What is different in Lisbon
The building policy is not yours
In an apartment building the condominium insures the structure and common parts, often for a sum set years ago. Your interior finishes, contents, art and your liability as an occupier need a policy of your own.
Historic buildings, specialist rebuild
Restoring a Pombaline façade, tiles or stucco costs more than standard construction. The sum insured should reflect what it takes to rebuild that building, not its purchase price.
A seismic city
Lisbon lies in one of Portugal's higher seismic zones. In Portugal earthquake cover is not automatic: it has to be added to the home policy, usually with its own excess.
What we arrange in Lisbon
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.
Classic & high-value cars
Collector and high-value cars, insured on their real value.
Family liability
Limits in line with the household's assets — for guests, staff and every home.
International health insurance
Health cover for families who live and travel between countries.
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 Lisbon?
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.