Multi-risk Insurance

Your home is more than four walls, protect it!

4.9/5 Google

Coverage for structure and contentsIn addition to mandatory coverages, fire, lightning or explosion, add other coverages to your plan, such as theft or burglary and electrical risks

All insurersWe analyze and negotiate on your behalf the terms from various insurers to find a plan that suits your needs and possibilities

100% online processChoose the coverages, define the amounts, and activate your Insurance without leaving home, always with the help of a dedicated manager

ASF Autoridade de Supervisão de Seguros e Fundos de Pensões

CRRF – BROKERAGE, LDA is registered with the ASF (Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, under no. 421571530, authorized for Life and Non-Life branches, verifiable at www.asf.com.pt. The insurance mediator does not assume risk coverage, does not have the power to enter into contracts on behalf of insurers, and is not authorized to receive premiums to be delivered to insurers. CRRF – BROKERAGE, LDA operates under the national brand "CrediSegur", registered with the INPI under no. 668183

Multi-risk Insurance: More protection for your home

In addition to you and your family, your home is also exposed to risks, whether it's a fire, a flood, or a burglary

Since your home is the largest investment of your life, it deserves the best coverage. The Multi-risk Insurance protects your assets and safeguards your budget for unexpected expenses, helping you save thousands of euros. Your safety and that of your family comes first

Umbrella protecting a house, symbol of multi-risk insurance

Coverages that make a difference

From the most basic Multi-risk Insurance to the most comprehensive, find your solution here

Mandatory Coverage

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

Included

Complementary Coverages

Theft or burglaryProtection against losses or damages resulting from thefts or burglaries at your residence

Acts of vandalismCoverage against damage caused by vandalism or malicious acts

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

LiabilityCoverage against material or bodily damage caused to third parties

Seismic eventsProtection against damage caused by earthquakes and other seismic events

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

Outdoor ProtectionCoverage for damages to gardens, walls, fences, and other outdoor structures

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

Electrical and Electronic RisksCoverage for damages caused by electrical or electronic failures in household appliances

Advantages of Contracting 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 homeIncludes additional coverages to ensure the total security of your home

The best prices on the marketCrediSegur negotiates the best conditions for you, ensuring significant savings

Did you know you can protect your home more comprehensively? With CrediSegur, you can contract the coverage required by the bank, associate other complementary coverages, and even take the opportunity to include coverages that safeguard your space more securely.

Free

Simple, Fast, and Secure Process

01

Make a simulation with your data

02

A dedicated manager will analyze your case

03

We find the best solutions

04

We present the best terms

05

We accompany 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 over €80/yearTeresa and Rodrigo are a fictional character, created for illustrative purposes — they do not correspond to a real case.

Illustrative photograph of a couple holding a small model house

With the same protection, CrediSegur compares for you€84.00Annual savingsHome Multi-risk Insurance is mandatory for homes with an associated mortgage-backed loan — even so, the client is free to choose the insurer.

Sum insured and the proportional rule: the sum insured for the building should correspond to the actual reconstruction value (not the market value of the property). If it is undervalued, in the event of a claim the insurer may apply the proportional rule and pay only part of the compensation — which is why this figure 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 civil liability, 24h assistance.

Same sums insured and same coverages as the initial scenario — the comparison concerns the premium only.

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

Home Multi-risk Insurance is mandatory for homes with an associated mortgage-backed loan — even so, the client is free to choose the insurer.

*Illustrative, non-binding example, with a fictional character and fictional figures, merely indicative and subject to confirmation. It does not constitute an insurance proposal, nor does it replace the analysis of each client's personal situation, nor the insurer's acceptance of the risk. In accordance with the information duty laid down in Lei n.º 7/2019, of 16 January (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 refer the matter to CIMPAS — Centro de Informação, Mediação e Arbitragem de Seguros. The premiums shown relate to the same sum insured and the same coverages in both scenarios; actual premiums depend on the location, type and year of construction of the property, the seismic/risk zone and other factors assessed by the insurer. When associated with a mortgage-backed loan, the client has the right to freely choose the insurer for the home multi-risk insurance, under Decreto-Lei n.º 74-A/2017 — taking out insurance outside the lending bank cannot be grounds for refusal or for worsening the credit terms.

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

Find the best coverage in just 2 minutes

Life InsuranceEnsure your family's financial stability in the most difficult times. Total protection and peace of mind for the future.

Health InsuranceAccess to the best medical care and hospitals, quickly and safely. Prioritize your family's well-being.

Personal AccidentsActive protection for your daily life, whether at leisure or work. Extra security against unforeseen events for a consistently peaceful life.

Car InsuranceTravel with complete safety on the road. Liability, own damage, or travel assistance are some of the available coverages.

Capitalization and PPRYour retirement starts today. Add tax benefits to your savings and turn them into great goals.

4.9/5

It is an insurance that protects your home and the belongings inside it against various unforeseen events, such as fires, floods, thefts, electrical damages, among others.

Yes. For condominium units (horizontal property), the Multi-risk Insurance for the unit is mandatory, as the law requires that the property be insured against fire. It may happen that the condominium 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 duplicating indemnities: the coverages do not add up, they complement each other. That is, each policy covers what is contracted 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, Contents of the house. We help you choose only the coverages that make sense for you.

Contents refer to everything inside the house: furniture, appliances, clothing, equipment, etc. It can and should be insured.

The deductible is the amount that is your responsibility 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. And, in most cases, you can get better coverages at a lower price.

You should report the claim as soon as possible. CrediSegur will assist you throughout the process.

No. Our service is completely free for the client; it is the financial institutions that provide us with compensation, only if there is a contract. We handle the entire process for you!

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