Bucket catching water from a leak in the living room, a claim covered by multi-risk insurance

Multi-risk Insurance in Portugal

Your home is more than four walls – protect it!

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Building and contents coverageOn top of the mandatory coverage for fire, lightning, or explosion, add other coverages to your plan, such as theft or robbery and electrical risks

Several insurersWe present you with quotes from the insurers we work with, tailored to your needs and budget

All done remotelyYou submit your request online and a manager supports you by phone or email all the way through to the policy being issued by the insurer

Multi-risk insurance: more protection for your home

Beyond you and your family, your home is also exposed to risks, whether it’s a fire, a flood, or a break-in

Your home is often the biggest investment of your life. Multi-risk insurance protects your assets and helps you pay unexpected expenses in the event of a covered claim, within the policy’s insured amounts and deductibles. Your safety and your family’s come above everything else.

Umbrella protecting a house, symbol of multi-risk insurance

Coverages that make the difference

From the most basic to the most comprehensive multi-risk insurance, find the right solution for you here

Mandatory coverage

Fire, lightning, or explosionEssential protection against damage caused by fire, lightning, and explosions

Included

Additional coverages

Theft or robberyProtection against loss or damage resulting from theft or robbery in your home

Acts of vandalismCoverage for damage caused by acts of vandalism or malicious acts

Floods, storms, and landslidesProtection against damage caused by floods, storms, and landslides

Liability coverageCoverage for property damage or bodily injury caused to third parties

Seismic eventsProtection against damage caused by earthquakes and other seismic events

Home assistanceAssistance services for home emergencies, such as plumbing, electricity and glass

Outdoor protectionCoverage for damage to gardens, walls, fences and other outdoor structures

Vehicles in the garageProtection for vehicles parked in the garage against damage or theft

Electrical and electronic risksCoverage for damage caused by electrical or electronic failures in household appliances

Advantages of taking out insurance through CrediSegur

When you take out a Mortgage, the bank requires fire insurance for buildings in horizontal property.

Plan tailored to your needsChoose the coverages that best suit you

More protection for your homeAdd extra coverages to ensure full protection for your home

Quotes from several insurersWe compare the quotes from the insurers we work with so you can see whether, in your case, you can pay less for the same coverages

Did you know you can protect your home more comprehensively? With CrediSegur, you can take out the coverage required by the bank, add other complementary coverages and even include protections that safeguard your home in a safer way.

No mediation costs for you

Simple, fast and secure process

Run a simulation with your details
A dedicated manager will analyze your case
We compare the insurers’ proposals
We present the proposals side by side
We support you from start to finish

Illustrative exampleHome multi-risk insurance

Teresa and Rodrigo renewed their home insurance with the same coverages

In this example, they kept the same sum insured and saved more than €80/yearTeresa and Rodrigo are fictional characters created for illustrative purposes — they do not correspond to a real case.

Illustrative photo of a couple holding a small house model

With the same protection, CrediSegur compares for you€84.00Annual savings

Sum insured and proportional rule: the building’s sum insured must correspond to the real reconstruction value (not the property’s market value). If it is underinsured, in the event of a claim the insurer may apply the proportional rule and pay only part of the compensation — so this amount should be reviewed at each renewal.

Current policy (example)

With CrediSegur (example)

Sum insured (building)

€180,000.00

Sum insured (contents)

€15,000.00

Deductible (water damage)

€75.00

Annual premium

€340.00

€256.00

Coverages: fire/lightning/explosion, natural phenomena, water damage, theft/vandalism, family liability, 24h assistance.

Same sums insured and same coverages as in the initial scenario — the comparison focuses only on the premium.

With the same protection, CrediSegur compares for you€84.00Annual savings

Fictitious example: the actual premium depends on the location, type and year of construction of the home and the risk zone. With a Mortgage, the bank may require property insurance — even so, you are free to choose the insurer.

*Illustrative, non-binding example, with fictional characters and values, purely indicative and subject to confirmation. It does not constitute an insurance offer, nor does it replace the analysis of each client’s personal situation or the insurer’s acceptance of the risk. Under the information duty set out in Law no. 7/2019, of January 16 (legal framework for insurance distribution). CrediSegur (CRRF Brokerage, Lda.) — Insurance Agent registered with the ASF under no. 421571530, for the Life and Non-Life branches, under a commercial agreement with Seguramos – Corretores de Seguros, S.A. In the event of a dispute, the client may resort to CIMPAS — Centro de Informação, Mediação e Arbitragem de Seguros. The premiums shown refer to the same sum insured and the same coverages in both scenarios; actual premiums depend on the property’s location, type and year of construction, seismic/risk zone and other factors assessed by the insurer. When associated with a Mortgage, the client has the right to freely choose the insurer for the home multi-risk insurance, under Decree-Law no. 74-A/2017 — taking out insurance outside the lending bank cannot be grounds for refusal or for worsening the credit conditions.

Choose to protect your family, home, car, business and health!

Tell us what you need and a manager will get in touch with you

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It’s insurance that protects your home and the belongings inside it against various unforeseen events, such as fires, floods, theft, electrical damage, among others.

No. In a condominium, the law only requires the building to be insured against fire risk, both the individual units and the common areas. Multi-risk insurance includes that coverage and adds other, optional ones. It may happen that the condo already has insurance for the entire building, including the units. In those cases, if you also take out an individual multi-risk policy, you are not doubling compensation: the coverages do not add up, they complement each other. In other words, each policy covers what is set out in it, avoiding protection gaps and ensuring more comprehensive coverage.

It depends on the policy, but it may include fire, explosion and smoke, floods and storms, theft or robbery, electrical damage, glass breakage, liability and home contents. We help you choose only the coverages that make sense for you.

Contents are everything inside the home: furniture, appliances, clothes, equipment, etc. They can and should be insured.

The deductible is the amount you have to pay yourself in the event of a claim. The higher the deductible, the lower the insurance price tends to be.

Yes. Multi-risk Insurance is fully customizable. We adjust everything to your home, your lifestyle and your budget.

Yes. The bank must accept insurance from another insurer, as long as it provides guarantees equivalent to those it requires. We compare quotes so you can see whether, in your case, it pays to switch.

You should report the claim as soon as possible. CrediSegur supports you throughout the entire process.

You don’t pay anything for our mediation service. CrediSegur is an insurance agent and is paid by the insurer, through a commission included in the premium, only if you take out the policy; you can ask us for the amount of that remuneration. We follow the process through to the issuance of the policy.

No brokerage fees for you

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