Owning a holiday home in the sunny Algarve, the garden island of Madeira or the beautiful mainland should be a joy that you'll want to share with friends, and maybe even let out as a holiday rental. Unfortunately owning a holiday home in Portugal is never worry-free, but there are a few steps you need to take to ensure you minimise that worry, and the most important is to insure it comprehensively.
Insurance is a complicated purchase in a foreign country, particularly for a holiday home, but it's an area where you can't afford to take risks. You need cover that tells you exactly what you're covered for, and what the exclusions are. Cover that's both comprehensive and straightforward. In Portugal you need to be particularly mindful of restrictions on earthquake damage - many insurers charge an excess that's a percentage of your claim, and that may be thousands!
Schofields are specialist holiday home insurers. We offer straightforward comprehensive insurance for holiday homes in Portugal, and just as important - we apply minimal restrictions. Our policies are written in plain English. You don't need to worry about unfamiliar insurance exclusions, language barriers or other complications. And should you need to claim, you'll speak to our experts - not a faceless call centre.
You are covered regardless of whether your holiday home is used by yourself, let to friends & family or rented as a commercial holiday let. You're even covered if you can't get there very often - that's something you need to be sure of!