Holiday Home Insurance in Portugal

What makes our holiday home insurance different

Comprehensive cover from Schofields is what it says - it's comprehensive. If you're checking policies make sure your cover will include these vital areas:

• NO restrictions between occupancy We don't impose occupancy restrictions, so if you can't get there every month you're still covered.
• Flexible cover You are covered regardless of whether your holiday home is used by yourself, let to friends & family or rented as a commercial holiday let.
• NO excessive security requirements We don't demand that you use sophisticated and expensive security measures (unless the contents sum insured exceeds £40,000).
• FULL theft insurance Including theft by non-forced entry and by guests. This is vital with a holiday home in Portugal that's both let and left unoccupied.
• Weather damage We think of Portugal as hot and sunny, but we also protect you when the weather is stormy. We understand that you probably live a long way away, and so we don't insist that you claim for weather damage within a tight timeframe of the loss.
• Swimming pool included Your pool is covered by our buildings insurance, which includes important public liability insurance, at no extra cost.
• Public liability cover of up to £5m This gives you protection in case someone claims against you if they have an accident at your holiday home.
• Employer's liability cover up to £1m Like public liability this gives protection should someone who is working for you have an accident and makes a claim.
• Loss of rental income If a loss or damage leaves your property untenable and you suffer losses relating to pre-booked lettings you will be covered for twice the contents sum insured.
• Alternative accommodation cover If you need alternative accommodation, for you and your family, or paying guests who are in the property at the time of a claim, you'll be covered.
• Travel and accommodation costs If you need to fly out to your holiday home in Portugal to assess a situation and minimise a claim your costs will be covered.
• Optional accidental damage to contents cover This offers optional additional protection against damage at your holiday home, even by holiday makers.
• Low excess charges Even our excess charges are competitive. We charge just £50 on a standard claim, £250 for water or weight of snow damage and for earthquake damage the excess is £300. This is often a percentage of the total claim, which could amount to thousands.
• Straightforward English policy That means you don't have to worry about complicated form filling in Portuguese or translating policy documents.
• We are here to help If you need to speak to someone just give us a call, you'll speak to one of our experts whether it's before you buy, or if you need to claim.
• Long established Schofields have been providing insurance for holiday homes in Portugal since 1984, and our policies are arranged through certain Underwriters at Lloyds of London.