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Portugal is a popular holiday home destination for residents of the UK – in particular areas such as the Algarve, Travira, Lagos and Portimao. Whether the property is a main residence or a second property, it could be worthwhile ensuring that every holiday villa in Portugal is covered by holiday home insurance or villa insurance.
The right kind of Portuguese villa insurance could depend on the purpose for ownership of the villa. If the villa is only being utilised in the short term for personal use and family holidays then it probably does not need to include a public liability clause, for example, as it would if it were being regularly rented out and used to make an additional income. If the villa is being utilised as a full time residence then this could also mean it will require a different form of insurance. Portuguese villa insurance often comes in a wide variety of different permutations. Knowing what the Portugal villa will be used for could make it much easier to secure the right kind of insurance policy.
Depending on how often the Portuguese villa is in use, owners may wish to look at the timeframes each insurer imposes on making a claim. Some insurers could have stricter claim time frames than others: something that is certainly worth considering if the property is only being used a few times a year. Some insurers may also not cover storm damage caused to villas in Portugal and may not cover external swimming pools, which is why reading the small print before choosing a policy is usually so important.
When searching for Portuguese villa insurance using a comparison website might be beneficial in helping to quickly determine which insurance policy will best suit the needs of the property and its owner. It allows enables homeowners to find a cheap villa insurance policy with no hassle.
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