Innovarisk Seguros - Home insurance

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 villas, to 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 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).

Our coverages versus a standard policy?

No limit on theft cover when your property is left unoccupied
Automatic cover when you rent out your property, including damage caused by tenants
Buildings cover which automatically includes terraces, swimming pools, tennis courts, outbuildings and boundary walls
No limit on items of higher value, such as valuable furniture or televisions
Automatic cover for loss of rent
€7.5 million liability cover 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

On returning to his holiday home in the Douro region, a client discovered that all the plants in the garden and around the swimming pool had been stolen. While making an inventory of the theft, the client tripped over a large vase that the thief had left behind a glass door, breaking both the vase and the door. As the policy covered theft of outdoor goods, the situation was dealt with quickly. In addition, accidental damage was covered and, as this was also included in the customer’s policy, the broken vase and door were repaired.

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Home break-in

When our clients arrived at their villa in Almancil, they discovered that there had been a break-in. They wanted to secure the property as quickly as possible and as the policy had no restrictions on theft cover and included theft without trace and situations where the house was unoccupied for more than 60 days, this was done very quickly.

Home Insurance

Why should you protect your Holiday Home with us?

Our coverages versus a standard policy?

Case Studies

Outdoor goods and accidental damage

Home break-in

Insurance Information

Product Information

Wording