Holiday Home Insurance in Portugal

What makes our holiday home insurance in Portugal different?

• 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 and family or rented as a commercial holiday let.
• No excessive security requirements
  We don't demand that you use sophisticated and expensive security measures.
• Theft insurance
  Including theft by non-forced entry and by guests. This cover 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, 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.
• 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.
• Employers’ liability cover up to £1m
  Like public liability, this gives protection should someone who is working for you have an accident and make a claim.
• Loss of rental income
  If you must cancel bookings - the policy covers the loss of pre-booked rentals due to an insured peril.
• 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
  Our excess charges are much lower than most other insurers. It's just £50 on a standard claim, £250 for storm, flood, weight of snow and escape of water damage. For earthquake damage, the excess is £300.
• 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, and you'll speak to one of our experts whether it's before you buy, or if you need to claim.
• Long established
  Schofields has been providing insurance for holiday homes in Portugal since 1984, and our policies are arranged through certain Underwriters at Lloyds of London.

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Note: upon review of applications, Underwriters may apply terms.