Whether you are an Expat living in Portugal or you own a Portuguese holiday home, finding home insurance can be difficult. And even when you do find a company who offers the type of cover and the level of protection that you need, when it comes down to it, you’ll probably find that is it extremely expensive.

However, the good news is that there are a select number of UK specialist overseas home insurance providers who can offer the peace of mind that you are adequately covered, and at a realistic price. They can provide buildings and contents cover together or separately.

These insurers can offer specialist insurance for buildings and contents cover whether the property is your holiday home, a let property or your permanent residence.

Your policy documents will be in English and It also means that should you need to claim – which can be difficult enough as it is - you will be able to speak to someone in English, which is no doubt easier even if you are fluent in Portuguese!

Once you have found a policy that you like the look of, make sure that you fully investigate the cover offered. Also, when choosing your Expat or Holiday Home property insurance, it is important that you ensure that you do understand the cover offered by the policy.

Things to consider include do you have legal liability cover for domestic employees? Are there any restrictions in place for letting your property or occupancy? Etc.

Once you have your policy, then you can relax, secure in the knowledge that your little piece of paradise is safe!

Jason Hulott