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HOMEPLUS INSURANCE

To enjoy Portugal at its best

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Home insurance that fits your needs

If you’re a U.S. citizen who owns or plans to purchase a second home in Portugal, it’s important to make sure it’s fully protected.

Our HomePlus policy offers a specialized all-risk solution designed specifically for second homes with valuable contents.

Portugal’s charm and culture make it an ideal location for a vacation home – but owning property abroad also comes with unique risks. That’s why HomePlus Insurance goes beyond basic coverage to provide tailored protection that includes:

 

Property Protection

Enhanced Property Protection

Shield your home’s structure, outdoor spaces, and landscaped gardens from damage caused by natural disasters, theft, or accidental events.

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Valuables Coverage

Protect your most valuable possessions — including art collections, antiques, and other high-value items — with tailored coverage.

All-Risk Coverage

All-Risk Coverage

Enjoy comprehensive, all-risk coverage designed to protect your home against unexpected events and give you true peace of mind.

Choose our HomePlus insurance for unparalleled coverage and the peace of mind that your property and valuables are in safe hands.

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WHY CHOOSE US?

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Quote in seconds

  • Competitive pricing

  • Fully online process

  • Get covered in just 2 minutes

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All-Risk Coverage

  • Covers situations typically excluded by standard market policies

  • No average clause applied in case of underinsurance

  • No market restrictions applied to theft coverage

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Where Others Don’t Go

  • Worldwide liability coverage up to 7.5 million euros

  • Earthquake deductible: only 2.5% (vs. standard 5%)

  • Flat deductible of only €500

Insurance Information

Product Information

Insurance Product Information Document

Wording

Wording HomePlus

Who is Innovarisk Seguros?

Innovarisk Seguros, is a leading insurance broker based in Lisbon, Portugal, with headquarters at Av. Duque de Loulé, 106 – 7th & 8th floors, 1050-093 Lisboa.

With over 10 years of experience in the insurance market, we are recognized as a trusted reference in the Portuguese insurance sector,especially in specialized solutions for both individuals and businesses.

We are highly experienced in insuring foreign homeowners in Portugal, especially those with high value properties, including second homes and luxury homes. Our dedicated team understands the specific needs of expatriates and international clients, ensuring personalized coverage that provides peace of mind.

At Innovarisk, we are committed to delivering exceptional service, based on trust, flexibility, and a deep understanding of the market. Whether you’re relocating, investing, or simply seeking better protection for your property and lifestyle in Portugal, we’re here to help.

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