Your Holiday Home in Portugal Well Insured
Portugal is one of the most popular countries for one second home. Of 300+ sunny days per year, a mild climate and beautiful beaches on the Atlantic coast it is understandable that more and more Dutch people are buying a holiday home in Portugal.
From the golden beaches of the Algarve until it bustles Lisbon, of the authentic Silver Coast to the vineyards of the Alentejo: a Dutch holiday home insurance policy offers all-risk coverage with service in your own language.
Portugal has specific risks such as forest fires in the summer. Our insurance fully covers fire damage, so you can enjoy your home with peace of mind.
Where is your holiday home located?
Algarve
The showpiece of Portugal. Golden beaches, golf courses and 300 days of sunshine a year.
Lisbon & Costa de Lisboa
The bustling capital with historic charm, Sintra and the coast at Cascais.
Silver Coast (Costa de Prata)
Authentic Portugal with surfing beaches, Nazaré's giant waves and affordable real estate.
🍷 More Regions in Portugal
- 🍇 Alentejo: The Tuscany of Portugal, vineyards, cork oaks, Évora
- 🏙️ Porto & North: Douro Valley, wineries, €2,100-€4,500/m²
- 🏝️ Madeira: Island of Eternal Spring, dramatic cliffs
- 🌋 Azores: Volcanic islands, spectacular nature, €1,485/m²
- 🏖️ Setúbal: Sesimbra, Tróia, near Lisbon
What is insured?
Fire & Forest Fire
Damage from fire, explosion, lightning. Forest fires fully covered!
Storm & Hail
Damage caused by storm, hail, precipitation and wind. Essential on the Atlantic coast.
Water damage
Leakage, pipe breakage, precipitation. Damage due to swimming pool construction is also covered.
Burglary & Theft
Theft with signs of forced entry and vandalism by third parties.
Swimming pool & outbuildings
Swimming pools, terraces, garden sheds are also insured.
liability
Homeownership and damage to third parties up to €500,000.
🔥 Fire risk: Forest fires in Portugal
Portugal experiences forest fires every year, especially in the dry summer months. Fire damage is fully covered:
- 🔥 Fire damage: Fully insured, also against forest fires
- 🌲 Risk areas: Northern and central Portugal, inland Algarve
- 📱 Fogos.pt app: Check current fires in real-time
- 🏠 Prevention mandatory: 50 meters of free zone around the house
- 📅 Deadline March 15: Annual site cleaning mandatory
- ⚠️ Negligence: No free zone = fine and possibly limited coverage
💡 In 2024, Portugal suffered more than 100 forest fires, especially in September. Prevention is crucial!
🌍Earthquake risk: Azores & Madeira
Portugal has a limited earthquake risk, especially on the islands:
- 🌋 Azores: Volcanic islands with periodic earthquakes
- 🏝️ Madeira: Limited risk, especially lavinas (landslides)
- 🏛️ Mainland: Low risk, Lisbon historically seismically active
- 📋 Coverage: Earthquake damage covered (deductible 2.5%, min. €7,500)
🇳🇱 vs 🇵🇹 Dutch or Portuguese Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Dutch service, no language barrier
- ✓ Fire damage fully covered
- ✓ Vacancy covered as standard
- ✓ Rental also insured
- ✓ Return cover (travel costs)
🇵🇹 Portuguese Policy
- → Seguro de habitação local
- → Communication Portuguese
- → Local insurers: Fidelidade, Tranquilidade
- → Often required with a mortgage
- → Good for permanent residents
- → Local expertise
💡 For a second home, a Dutch policy offers advantages: service in your own language and all-risk coverage.
🔑 Rental: Alojamento Local
Do you rent your home to holiday guests? Please note the Portuguese rules:
- ✓ Rental up to 26 weeks/year: Insured in combination with personal use
- ✓ Platforms: Airbnb, Booking.com also insured
- ✓ Guest liability: Damage to guests covered up to €500,000
- ⚠️ Alojamento Local: A permit is required for professional rental
- ⚠️ Tax: Rental income is taxed at 28%
- ⚠️ Region limits: Tourist hotspots have rental limits
⭐ All Risk Coverage: Maximum Protection
With all-risk coverage you are insured against all unforeseen damage from outside:
- ✓ Basic coverage: Fire, explosion, lightning, storm, hail
- ✓ Extensive: + Burglary, theft, vandalism, water damage, glass breakage
- ✓ All risk: + All unforeseen external damage
- ✓ Forest fires: Fully insured with all-risk
🏡 Typical Portuguese Homes
What type of home do you have in Portugal? All types are insurable:
- 🏠 Villa with pool: Popular in the Algarve, private garden
- 🏢 Apartment: Urban (Lisbon, Porto) or resort
- 🏘️ Townhouse: Terraced house in resort or village
- 🏡 Quinta: Traditional farm/estate
- ⛳ Golf resort: Vilamoura, Vale do Lobo, Quinta do Lago
💰 Premium indication Holiday home Portugal
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Silver Coast Apartment | €100,000 - €200,000 | €15 - €28 |
| Villa Algarve | €200,000 - €400,000 | €25 - €45 |
| Villa with pool | €300,000 - €500,000 | €35 - €55 |
| Luxury villa Golden Triangle | €500,000+ | €45 - €65+ |
| Insure household contents | €15,000 - €50,000 | +€8 - €18 |
* All-risk is approximately 20% more expensive than basic coverage. Swimming pools and outbuildings are also insured.
⚠️ Not Covered / Exclusions
- ✗ Permanent residence: Only as a second home (not main residence)
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Vandalism by tenant: Damage by tenants themselves
- ✗ Commercial rental: More than 26 weeks/year without personal use
- ✗ Fire prevention negligence: No 50m free zone = limited coverage
💡 Tips for Your Holiday Home in Portugal
- ✓ Fire prevention: 50 meter free zone around home mandatory (deadline March 15)
- ✓ Fogos.pt: Check current forest fires with the app
- ✓ Alojamento Local: Apply for a permit for professional rental
- ✓ NIF number: Portuguese tax number required for purchase
- ✓ Swimming pool maintenance: Have it checked regularly
- ✓ Current reconstruction value: Construction costs are rising, check annually
✈️ Extra Coverage
- ✓ Return coverage: Travel and accommodation costs will be reimbursed in the event of an emergency
- ✓ Accommodation costs: If the home is uninhabitable upon arrival
- ✓ Lost keys: Costs for replacement locks will be reimbursed
- ✓ Art objects: Up to €5,000 co-insured
- ✓ Garden construction: Up to €10,000 covered
