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001-E Introduction : Home
011-E Property Management Contract : 010-E-Our activities
101-E Short term Rentals : 100-E-Lettings & Rentals
022-E Translations : 010-E-Our activities
012-E Tax Returns : 010-E-Our activities
129-E Price list : 120-E-Other services
123-E Assistance with the sale : 120-E-Other services
124-E Assistance with purchase. : 120-E-Other services
002-E More about Us : Home
032-E Garden Maintanence : 030-E-Your Home
031-E Swimming pool maintanence : 030-E-Your Home
020-E Valuations : 010-E-Our activities
103-E Long term rentals : 100-E-Lettings & Rentals
014-E Taxation on Rental Income : 110-E-Tax services
041-E Electricity : 040-E-Utilities
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042-E Gas : 040-E-Utilities
044-E Telephone : 040-E-Utilities
131-E Car Issues : 130-E-Transport
132-E Renting a car : 130-E-Transport
061-E Multi Risk House Insurance : 060-E-Insurances
065-E Insurance staff : 060-E-Insurances
053-E Social Security staff : 050-E-Staff
111-E Rates : 110-E-Tax services
045-E Alarm system - House protection : 040-E-Utilities
035-E Repair and Maintenance : 030-E-Your Home
071-E Borehole or Well : 070-E-Water issues
073-E Water softenors and other : 070-E-Water issues
074-E Purification system : 070-E-Water issues
081-E Central Heating : 080-E-Heating & Cooling
084-E AirCo : 080-E-Heating & Cooling
046-E Log fire or woodburning stove : 040-E-Utilities
091-E Internet & Broadband : 090-E-TV-Sat-Communication
093-E Satelite reception : 090-E-TV-Sat-Communication
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131-E Own car : 130-E-Transport
033-E Cleaning lady or company : 030-E-Your Home
046-E Logs : 080-E-Heating & Cooling
104-E Tax on Rental Income : 110-E-Tax services
105-E The whole picture about rentals : 100-E-Lettings & Rentals
102-E License for Rentals : 100-E-Lettings & Rentals
034-E Condominium rules : 030-E-Your Home
062-E Health Insurances : 060-E-Insurances
141-E School system in Portugal : 140-E-Education
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064-E Travel Insurance : 060-E-Insurances
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001-D Introductie : Home
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113-D Belastingvertegenwoordiging : 110-D-Belasting diensten
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041-D Electriciteit : 040-D-Nutsvoorzieningen
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122-D Vertalingen : 120-D-Andere Diensten

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print article061-E Multi Risk House Insurance

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The most valuable asset of many members is their house, and its contents. It is therefore false economy not to insure them or to insure them for an amount below their true worth.

Natural disasters such as earthquakes are not unknown in Portugal and failure to insure the building itself adequately could have disastrous consequences.

Again, although loss through fire is not a common occurrence, robberies from houses even when occupied, have increased in frequency and adequate cover for content loss is also highly desirable.

The major problem, which arises when a claim for loss is made under an insurance policy, is the value, which has been placed on both the building itself and the contents. All insurance companies take an averaging approach when assessing claims and will only pay out a proposition of the real value of any item if the declared value is less than the Market or New Value.  The temptation in reduce the size of the cover and so the annual premium, must therefore be resisted if problems are to be avoided.

The best household cover provided in Portugal is the HABITAT+ policy issued by Victoria Seguros to AFPOP members. Not only are the rates highly competitive but the policy terms and conditions are considerably more extensive than available elsewhere or to non-members.

 

COVER FOR BUILDINGS

The cover offered by Victoria Seguros to AFPOP members includes all the standard risks such as damage due to fire, lighting, storm, flood and earthquake but a number of other events as well. Full details are set out in the HABITAT+ booklet produced by Victoria Seguros in both Portuguese and English. Copies are available from the Association's brokers, Medal Lda.

When settling a claim, all insurance companies apply a

 

Date Inserted: 23 June 2007
Last Updated: 30 October 2017
 
Have questions or comments on this article? email me

 

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