Insuring a high-value home in Madeira
Madeira's quintas and modern villas sit on steep, green slopes above Funchal and along the south coast — spectacular sites that insurers assess with care.
What is different in Madeira
Slopes, rain and fire
The island has known severe flooding, as in February 2010, and serious wildfires, as in 2016. Insurers ask about the slope, drainage, retaining walls and the vegetation around the house.
Historic quintas
Old Madeiran quintas with gardens, chapels and outbuildings need every structure in the sum insured, valued at the cost of restoring it.
Earthquake and storm
As elsewhere in Portugal, earthquake cover is an option to add. On an Atlantic island, storm and water conditions deserve the same attention.
What we arrange in Madeira
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.
Yachts & boats
Hull, liability and navigation area, for private use or charter.
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 Madeira?
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.