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Home insurance in Portugal

Protect the building, its contents and your liability with home insurance tailored to your needs. We compare solutions from several insurers for homeowners and tenants in Portugal.

ASF

authorised insurance intermediary

insurers reviewed

24 h

first contact

Request a quote

Takes around 3 minutes to complete. We will contact you within 24 hours.

Before you begin

Tell us the type of home, whether it is a house or apartment and which floor it is on, and whether you are the owner or tenant.
Have your Portuguese tax number, date of birth and the property’s address to hand.
Tell us whether it is your main home, rented out or used for tourist accommodation, and whether it is empty for more than 60 consecutive days.
Have the floor area, year of construction and renovation, construction type and energy rating to hand.
Choose the building and contents values you want to insure.
Check whether the property has a monitored alarm, separate outbuildings or a swimming pool, including their dimensions.

What happens next?

Your request is submitted through Chico dos Seguros. Our team reviews the information and contacts you with the available proposals. Prices are not calculated automatically, and submitting a request does not activate any insurance.

Your data is processed in accordance with the compliance and transparency information and the consent choices shown in the form.

How to compare home insurance in three steps

01 · Describe your home

The type, use and construction of the property affect the price and available cover. The more complete your request, the more tailored the proposals.

02 · Compare the proposals

Place the proposals side by side: annual premium, building and contents sums insured, included cover and excesses.

03 · Choose with confidence

Clarify any questions with the team before deciding. If the property has a mortgage, confirm that the bank accepts the policy.

Contents insurance: what is protected

Contents are the belongings inside your home: furniture, appliances, clothing, equipment and personal items. Home insurance can cover the building, the contents or both, each with its own sum insured.

If you live in rented accommodation, the building is normally insured by the landlord. Your contents are only protected if you insure them. Make a list of your belongings and what it would cost to replace them: that is the contents value to enter in your request.

What to compare in home insurance

Two home insurance policies with similar prices can provide very different protection. Compare these points in each proposal.

Building sum insured

The building sum insured should reflect the cost of rebuilding the property, not its market value. If it is too low, the claim payment may be reduced in the same proportion. Check the rebuilding value carefully in every proposal.

Included cover

Check what is included beyond fire: water damage, storms and flooding, electrical risks and theft. Earthquake cover is usually optional.

Liability cover

Check whether the policy covers damage you cause to third parties, such as a leak affecting a neighbour’s home. Have a dog or cat? Confirm whether damage caused by the animal is included and also compare pet insurance.

Excesses and exclusions

The excess is the part of each claim you pay yourself. Compare the amount for each cover and read the exclusions, for example for unoccupied properties.

Which home do you want to insure?

Home with a mortgage

Banks usually require home insurance or at least fire insurance, as well as life insurance. You can also compare mortgage life insurance.

Rented property

Do you rent the property to someone else? As landlord, you insure the building. State in the request that the property is rented for more than six months.

Second home or holiday rental

Holiday homes, properties left empty for months and homes rented to tourists have specific terms. State the use in the request and explain in the comments if it is a holiday home.

Cover, sums insured and exclusions depend on the terms of each policy. You can also consult the ASF’s home insurance information.

Questions about home insurance

Looking for “home insurance” or “buildings and contents insurance”? Start with these questions.

Is home insurance compulsory?

For your home, Portuguese law only requires fire insurance for buildings under horizontal property ownership, covering individual units and common areas. Other activities, such as holiday rentals, may have their own rules. Multi-risk home insurance is optional, but banks usually require it for a mortgage.

What is the difference between fire insurance and multi-risk home insurance?

Fire insurance mainly covers fire, lightning and explosion. Multi-risk insurance adds cover such as water damage, storms, theft and liability and can also include contents.

What building sum insured should I enter?

Use the cost of rebuilding the property, which may differ from its purchase price or bank valuation. Enter your estimate in the request and the team can help you confirm it.

Can I have home insurance if I am not the owner?

Yes. As a tenant, you can insure your contents and liability. The building is normally insured by the landlord.

How does the home insurance simulator work?

Enter the property type and use, construction details and the building and contents values. The team reviews the request and contacts you with proposals for that property. The simulation does not calculate prices automatically or activate insurance.

Does the comparison service show every insurer on the market?

No. The comparison includes proposals available through the insurers we work with for the property and cover you selected. Availability may vary and does not represent every offer on the market.

Other insurance to compare

Want to see everything in one place? View all insurance simulators.

Compare your home insurance with Chico

Describe the property and the values to insure, then receive proposals to compare. You decide.