Home Insurance (Seguro Multirriscos) in Portugal in 2026 — A Practical Guide to Mandatory Fire Cover, the Mortgage Seguro de Vida, What a Policy Actually Pays and How to Make a Claim
What home insurance you must have in Portugal, what a seguro multirriscos really covers, why the bank also wants a seguro de vida, how reconstruction value (not market price) sets your premium, and the step-by-step for making a claim — explained for expats.