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Holiday Homes Insurance






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    Why should you protect your Holiday Home with us?

    Why should you protect your Holiday Home with us?

    We have a wealth of experience in covering both higher value main homes and holiday homes abroad. From ski chalets, to villas, apartments, chateaux and country estates, we can insure clients’ homes whether they are expatriates, or even foreign nationals looking for specialist cover.

    In the unfortunate event of our insureds have to make a claim, we provide a stress free process with a network of English speaking claims experts on hand to assist.

    The Innovarisk Holiday policy offers:

    • Wordings in plain English with warranties-free cover;
    • Reputation of fast and fair claims service (over 90% of our home insurance clients were satisfied with the way we settled their claim).
    Innovarisk represents in Portugal the global specialist insurer Hiscox, underwriting a diverse range of personal and commercial insurance risks such as home insurance cover for homes and their contents, valuables and collections as well as extensive business insurance, finely tailored to the needs of companies, professionals and consultants.

    Our coverages versus a standard policy?

    • No restriction of theft cover if your property is left unoccupied;
    • Automatic cover when you let your property, including damage caused by tenants;
    • Cover for buildings that automatically includes terraces, swimming pools, tennis courts, outbuildings and perimeter walls;
    • No limit on items of higher value, such as valuable furniture or televisions;
    • Automatic cover for loss of rent;
    • €7.5 million of liability to cover any injury suffered by your visitors, tenants, employed staff or simply passers-by.

    Case Studies

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    Outdoor goods and accidental damage

    Returning to his holiday home in the Douro region, a client noticed that all the plants in the garden and around the swimming pool had been stolen. Whilst drawing up an inventory of the theft the client tripped over a large vase that the thief had left behind a glass door, breaking the vase and the door. Since the policy covers theft for outdoor goods, the situation was swiftly handled. Additionally, the accidental damages were also covered and, since those were also included in the client’s insurance, the broken vase and door were repaired.

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    Home break-in

    When our clients arrived at their villa in Almancil, they found there had been a break-in. They wanted to secure the property as quickly as possible and since the policy had no restrictions on theft coverage and included theft without traces and situations where the home is unoccupied for more than 60 days, this was done very swiftly.

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