PARTICULARES

Multi-Risk Home Insurance

Home Multi-Risk insurance is an essential solution to protect your home and belongings against a range of unforeseen events, such as fire, flooding, storms, theft, vandalism and water damage. It can also include cover for contents, family third-party liability and home assistance, guaranteeing prompt support in emergencies.

Benefits

Discover the benefits for you and your family with our specialist advice.

Protection against unforeseen events

Fire, theft, natural events and water damage.

Flexible cover

Tailored to the value and features of your home.

Ongoing support

Close support throughout all stages of the contract.

We will find the best solution

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Personal Data Protection

Verspieren Portugal Corretores de Seguros, S.A., as data controller, collects the personal data contained in this form for the purposes of analysing the user's/client's needs, obtaining quotes from insurers, and preparing insurance simulations and proposals. The data may be shared with insurers and other entities strictly necessary to obtain the requested simulations and proposals. The data will be kept only for the period necessary for the purposes stated above or to comply with legal obligations. The data subject may exercise their rights of access, rectification, erasure, restriction of processing, objection and portability, by contacting: [email protected]. For more information, see our Privacy Policy.

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Any questions?

FAQ

Clear answers about the covers that protect you and your family, including key information, practical guidance and support to help you navigate your insurance choices.

What is covered by Home + Condominium Multi-Risk insurance?

This insurance protects the home (building and/or contents) against risks such as fire, natural events, theft and water damage, and can be extended to the common areas of the condominium.

In many plans it also includes liability cover and 24-hour home emergency assistance.

Is fire insurance enough, or do I need multi-risk cover?

Compulsory insurance covers only the risk of fire to the structure of the property. Multi-risk cover adds water damage, natural events, theft, liability and the contents of the home.

We help you understand which risks are left out of the compulsory minimum in your case.

How do I know if the sum insured is correct?

The sum insured for the building should reflect the rebuilding cost rather than the market value, and the sum insured for contents should reflect their replacement cost. A sum insured that is out of step can lead to proportional reductions in compensation.

We carry out this review with you, because it is the most common error in the policies we analyse.

Who takes out the insurance for a unit in a condominium?

The condominium insures the common areas and each owner insures their own unit. In practice there are frequent overlaps and gaps between the two policies.

We review both together to ensure there are no uncovered areas or duplicate premiums.

These solutions are backed by a specialised team, international experience and a personalised service, ensuring security and peace of mind in every situation.
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