High-Quality Household Insurance, Now Within Reach

For a long time, household insurance in Portugal has felt like a choice between two extremes: either settle for a standard policy that doesn’t really meet your needs, or pay a premium price for the only high-end option available.

By Advertiser, in Property, Business · 11 Jul 2025, 09:01 · 0 Comments

Credits: Supplied Image; Author: Client;

But that’s no longer the case.

We’re excited to introduce a new kind of household insurance to the Portuguese market - one that delivers high-value protection without the high price tag. This new offer is designed for individuals and families who have more to protect - higher-value properties, more valuable contents, or simply greater peace of mind. It offers broader coverage, higher limits, and better service compared to standard policies. That means you can finally insure your home and its contents to a level that truly reflects what they’re worth, without needing to overspend.

Old cover and service, new price.

The Innovarisk team has more than 20 years of experience protecting high value homes and fine art, leading the Portuguese insurance market in both segments. Our reputation of lead underwriters has allowed us to negotiate a prime product, with all the protections you need with a price stability clause. Why this clause? With so many challenges, some of them affecting significantly Property insurance, from global warning to other natural phenomena among others, this clause is a strong long term commitment on cover and price for the coming 3 years. And add to that the service of a highly experienced team, with a reputation of client satisfaction focus.

High value properties are not properly protected on standard insurance and you shouldn’t have to settle for a policy that leaves you underinsured for price reasons. Outbuildings, outdoor items, gardens cover, individual list per unlisted items, average clauses, absence of All-Risks options, restrictions and sub limits on a significant variety of covers, it’s a very long list of reasons why you shouldn’t buy a standard policy. All backed up by one of the largest Insurance Company in the world, in Household insurance.

If you’ve ever felt like your current household insurance doesn’t quite reflect the true value of your home, this is for you. If you’ve ever worried that your standard policy might fall short when you need it most, this is for you. And if you’ve held off on upgrading because the available options were out of reach - this is definitely for you.

Because protecting properly what matters most shouldn't be a luxury.