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Home insurance in Portugal
Buildings, contents and liability cover in one policy – Seguro Multirriscos Habitação for British homeowners, tenants, landlords and second-home owners in Portugal. Advice in English and an independent comparison of leading insurers.
- Advice in English – no Portuguese required
- Buildings + contents + liability in one policy
- Natural Hazardsal hazard protection – storms & water damage
- Local claims support from our Algarve team
authorised insurance broker
property insurers compared
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Request Your Home Insurance Quote
Takes around 3 minutes · first response within 24 hours
We compare home insurance from leading insurers
Additional insurers available in the Portuguese property market: Fidelidade, Ageas, Generali, Victoria Seguros.
Our insurance solutions in Portugal
Complete insurance protection from one broker
Three simple steps to suitable cover
Send Your Enquiry
Complete the form in around five minutes. The details about your property and how it is used help us find suitable cover.
Personal Consultation
Our English-speaking team will contact you within 24 hours by telephone or email, according to your preference.
Tailored Comparison
You receive a clear, no-obligation comparison of suitable multirisk policies from leading insurers.
Protection tailored to your property in Portugal
Building
Building damage
- 🏠 Structural protection against storms, water and fire
- ⚡ Lightning, explosion and resulting damage
- 🔧 Burst pipes and water damage inside walls
Contents
Contents & valuables
- 🛋️ Furniture, electronics and personal belongings
- 💎 Valuables and jewellery, when included
- 🔒 Theft and burglary
Liability
Personal & family liability
- ⚖️ Damage caused to third parties
- 💧 Water damage affecting neighbours in a condomínio
- 👨👩👧 Family members included, depending on the policy
Natural hazards
Natural hazard protection
- 🌪️ Storms and flooding
- 🌊 Heavy rain and flood damage
- 🌋 Seismic risks in Madeira and the Azores
Glass
Glass breakage
- 🪟 Windows, doors and glazed surfaces
- 🚪 Conservatory and terrace glazing
- ✨ Hobs and ceramic glass, when included
Assistance
24-hour Home Assistance
- 🚨 Emergency help for burst pipes and urgent incidents
- 🔧 Access to local tradespeople
- 📞 Claims support from our English-speaking team
Personalised support in the Algarve
Specialists for English-speaking expats and residents in Portugal
“We help English-speaking owners and tenants find suitable cover for their property – personally and independently. From the first consultation to a claim, you always have a dedicated point of contact.”
- 📞 Phone: +351 289 392 452
- ✉ Email: [email protected]
- 📍 Office: Av. Duarte Pacheco 13 R/C, 8135-104 Almancil – Quinta do Lago, Algarve
- ✓ Languages: English, German and Portuguese
Client experiences in Portugal
“After buying our villa near Lagos, the bank requirement was sorted quickly. The team brought the building, contents and pool into one policy and explained everything clearly in English.”
Markus K.
Lagos · client since 2024
“We had water damage coming from the flat above. C1 Broker handled the communication with the insurer and helped us organise all the documents needed for the claim.”
Anke S.
Cascais · client since 2022
How much does home insurance cost in Portugal?
The cost of home insurance in Portugal depends on several factors: the insured value of the building and contents, the region and location, the age and condition of the property, and specific risks such as a pool, garden or holiday letting. For an average apartment in the Algarve, annual premiums are often in the low hundreds of euros; a larger villa with a pool and higher rebuild value will naturally cost more.
For financed properties, Portuguese banks normally require at least fire cover for the building. Other sections – contents, liability, natural hazards or glass breakage – should be selected according to the property and how it is used. As an independent broker, we compare suitable options and explain the differences in English.
Apartment in the Algarve
around 90 m² · contents + building + liability · multirisk policy
Villa with pool & garden
detached · higher rebuild value · including natural hazards and assistance
Common risks for properties in Portugal
Portugal’s climate and geography create specific risks that should be reflected in the policy:
Storms and heavy rain on the Atlantic coast: these can damage roofs, façades and outdoor areas.
Water damage: burst pipes are among the most common causes of claims, particularly in condominiums.
Theft and burglary: relevant for second homes or properties left empty for long periods.
Pool and garden: these can create additional risks involving accidents or outdoor damage. In Madeira and the Azores, seismic risk should also be considered.
Frequently asked questions
Is the condominium insurance enough for my property?
Not always. Condominium insurance normally covers common areas and certain building responsibilities, but may not fully protect the inside of your unit, your contents or damage caused to third parties. Your own policy can fill these gaps.
What is Seguro Multirriscos Habitação?
Seguro Multirriscos Habitação is the standard multirisk home policy used in Portugal. It can combine several sections such as fire, storms, water damage, glass breakage, theft and liability.
Who is responsible for water damage in a condominium?
In a condominium, responsibility depends on where the damage started and which policies are in place. Your own policy with water-damage and liability cover can be important for damage to your home or neighbouring units.
Do I need insurance as a tenant?
Yes, it can be useful. The owner normally insures the building, but not your personal belongings. Contents and liability cover can protect furniture, electronics and damage caused to the rented property or third parties.
Am I covered if I rent the property as Alojamento Local?
Alojamento Local has a different risk profile. A standard private home policy may not fully cover commercial letting. It is important to declare the use of the property and arrange suitable liability and property cover.
How does a claim work in Portugal?
The claim is reported to the insurer and documented with the necessary information. C1 Broker can support you with communication, documents and follow-up throughout the process.
Protect your property in Portugal with confidence
Free advice in English · independent insurer comparison · reply within 24 hours