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Portuguese Villa Insurance

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Portuguese villa insurance

Get cheap insurance quotes to insure a Portuguese villa from across the UK.

Owning a Portuguese villa has many upsides. Portugal is a highly sought-after holiday destination due to its warm climate and stunning beaches and hills, so having a villa in Portugal can help you enjoy this wonderful destination easily, without having to book accommodation. However, owning a villa in Portugal does have certain risks associated with it. This is why it is important to get proper holiday home insurance to help protect you from unexpected costs if something goes wrong.

If you want cheap insurance, compare quotes from insurers to find the right kind of insurance for you.

Is it a legal requirement to have Portuguese villa insurance?

It is usually not a legal requirement to have insurance for a Portuguese villa unless your mortgage supplier has rules stating you need appropriate cover. However, it is smart to get your villa properly insured so that you don’t have to worry about any unexpected costs after an incident.

Can I buy home insurance for my Portuguese villa?

Normal home insurance does not cover holiday homes. Normal home insurance only covers your primary residence, not a second property that is left empty for 30 days or longer. As such, when you insure a Portuguese villa you’ll need a specific kind of insurance to do that.

Why is Portuguese villa insurance more expensive than home insurance?

It is often more expensive to insure a Portuguese villa compared to a normal home because holiday homes are left empty for longer periods of time, and are at higher risk. For example, empty homes can be a more attractive target for burglars or vandals. Also, it is harder to spot problems in a timely manner in holiday homes, which can lead to a small leaky pipe causing large problems. This is why it is sensible to get holiday home insurance.

Can I insure my Portuguese villa with UK insurers?

Yes. Many UK insurers will offer insurance for Portuguese villas. This can be very helpful as it means that your policy documents will all be in English, and you can contact English-speaking customer service representatives to help if a problem occurs.

Can I insure any type of villa?

Most types of villas can be insured quickly and easily. If your Portuguese villa is a special type of building it may need specialist insurance. For example, log cabin insurance must cover a higher risk of fire to wood-frame buildings, while lodge insurance has to cover a greater risk of natural disasters.

What does Portuguese villa insurance cover?

Villa insurance is like home insurance. The most basic level of insurance is property insurance, which protects your villa building against a range of unforeseeable incidents, like fire, flooding, break-ins, or storms.

Can I add extra cover to my Portuguese villa insurance?

Yes. Most insurers will offer additional cover. For example, you may want contents cover to protect your belongings, electronics, and furniture at the villa. You may also want to consider legal cover and emergency repair cover.