{"id":3878,"date":"2019-06-30T10:01:37","date_gmt":"2019-06-30T10:01:37","guid":{"rendered":"https:\/\/essencial-portugal.com\/fr\/?page_id=3878"},"modified":"2026-03-16T12:19:57","modified_gmt":"2026-03-16T12:19:57","slug":"seguro-hogar-portugal","status":"publish","type":"page","link":"https:\/\/essencial-portugal.com\/es\/seguros-portugal\/seguro-hogar-portugal\/","title":{"rendered":"Seguro de hogar en Portugal"},"content":{"rendered":"<p>El seguro de hogar en Portugal es obligatorio para los propietarios, pero no para los inquilinos. La cobertura m\u00ednima exigida es un seguro contra incendios que cubra las paredes del inmueble. El seguro a todo riesgo no es obligatorio, pero s\u00ed muy recomendable.<\/p>\n<h2>Seguro de hogar en Portugal: asistencia en ingl\u00e9s<\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-9 size-full\" src=\"https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2018\/03\/assurance-habitation-portugal.jpg\" alt=\"Seguro de hogar Portugal: cobertura obligatoria contra incendios y opciones multirriesgo\" width=\"354\" height=\"339\" srcset=\"https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2018\/03\/assurance-habitation-portugal.jpg 354w, https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2018\/03\/assurance-habitation-portugal-300x287.jpg 300w\" sizes=\"(max-width: 354px) 100vw, 354px\" \/><\/p>\n<p>Encontrar el seguro de hogar adecuado, comparar ofertas y leer contratos en portugu\u00e9s no es sencillo. Le sugiero que se ponga en contacto con un corredor de seguros angl\u00f3fono especializado en Portugal: le presentar\u00e1 las mejores opciones del mercado seg\u00fan sus necesidades y permanecer\u00e1 como su intermediario durante toda la vigencia del contrato.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-3 maxbutton maxbutton-form\" href=\"#form\"><span class='mb-text'>CONTACTO<\/span><\/a><\/p>\n<h2>Coste del seguro de hogar en Portugal<\/h2>\n<p>El coste var\u00eda seg\u00fan el inmueble. Los factores que determinan el precio son:<\/p>\n<ul>\n<li>Residencia principal o secundaria<\/li>\n<li>Ciudad en la que se encuentra<\/li>\n<li>Superficie y valor del inmueble<\/li>\n<li>Valor del contenido a asegurar<\/li>\n<li>Si es inquilino o propietario<\/li>\n<\/ul>\n<h2>Inquilinos y seguro de hogar en Portugal<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3969 size-full\" src=\"https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/assurance-habitation-portugal.jpg\" alt=\"Seguro de hogar para inquilinos en Portugal: responsabilidad civil y protecci\u00f3n del contenido\" width=\"1088\" height=\"548\" srcset=\"https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/assurance-habitation-portugal.jpg 1088w, https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/assurance-habitation-portugal-300x151.jpg 300w, https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/assurance-habitation-portugal-768x387.jpg 768w, https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/assurance-habitation-portugal-1024x516.jpg 1024w\" sizes=\"(max-width: 1088px) 100vw, 1088px\" \/><\/p>\n<p>Como inquilino, no est\u00e1 obligado a contratar un seguro de hogar, pero debe asegurarse de que su arrendador dispone de seguro contra incendios para el inmueble que ocupa. Aunque no sea obligatorio, un seguro de hogar como inquilino le protege ante:<\/p>\n<ul>\n<li>Da\u00f1os al contenido de su vivienda<\/li>\n<li>Da\u00f1os causados en el inmueble<\/li>\n<li>Responsabilidad civil frente al propietario o los vecinos<\/li>\n<\/ul>\n<p>El corredor angl\u00f3fono con el que trabajo ofrece seguros de hogar con responsabilidad civil para los ocupantes, que cubre a todos los miembros de la familia y los da\u00f1os f\u00edsicos o materiales causados a terceros.<\/p>\n<h2>Seguro multirriesgo del hogar en Portugal<\/h2>\n<p>El seguro multirriesgo cubre habitualmente:<\/p>\n<ul>\n<li>Da\u00f1os al edificio causados por inundaciones, tormentas y riesgos el\u00e9ctricos (distintos del fuego)<\/li>\n<li>Protecci\u00f3n de los bienes muebles de la vivienda<\/li>\n<li>Indemnizaci\u00f3n por robo<\/li>\n<li>Fallecimiento del asegurado o su c\u00f3nyuge a consecuencia de incendio, rayo, explosi\u00f3n o robo en la vivienda<\/li>\n<li>Responsabilidad civil del asegurado y su unidad familiar<\/li>\n<\/ul>\n<p>Los bancos suelen exigir un seguro multirriesgo con cobertura contra terremotos cuando se financia una compra inmobiliaria con hipoteca.<\/p>\n<h2>Criterios para elegir su seguro de hogar en Portugal<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3970 size-full\" src=\"https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/courtier-assurance-habitation-portugal.jpg\" alt=\"C\u00f3mo elegir un seguro de hogar en Portugal: evaluaci\u00f3n de necesidades, presupuesto y contenido\" width=\"960\" height=\"550\" srcset=\"https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/courtier-assurance-habitation-portugal.jpg 960w, https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/courtier-assurance-habitation-portugal-300x172.jpg 300w, https:\/\/essencial-portugal.com\/es\/wp-content\/uploads\/2019\/06\/courtier-assurance-habitation-portugal-768x440.jpg 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/p>\n<h3>Eval\u00fae sus necesidades<\/h3>\n<p>Determine qu\u00e9 desea proteger: solo las paredes, o tambi\u00e9n el mobiliario. En Lisboa, la cobertura antis\u00edsmica es especialmente relevante dada la mayor exposici\u00f3n al riesgo s\u00edsmico. Una cobertura contra inundaciones es importante en planta baja en Madeira, pero mucho menos en un tercer piso en las colinas de Lisboa.<\/p>\n<h3>Defina su presupuesto<\/h3>\n<p>Decida cu\u00e1nto quiere invertir en su seguro: cuanto m\u00e1s completa es la cobertura, mayor es el coste.<\/p>\n<h3>Valor del inmueble a asegurar<\/h3>\n<p>El capital asegurado para las paredes se calcula sobre la superficie del edificio multiplicada por el valor de reconstrucci\u00f3n por m\u00b2. No se tiene en cuenta el valor del terreno, por lo que el valor de reconstrucci\u00f3n siempre ser\u00e1 inferior al valor global del inmueble.<\/p>\n<h3>Valor del contenido<\/h3>\n<p>No existe una f\u00f3rmula fija: debe estimar el valor de reposici\u00f3n de todo lo que hay en su vivienda (muebles, electrodom\u00e9sticos, ropa, objetos personales). Los objetos de valor especial \u2014joyas, cuadros, antig\u00fcedades\u2014 deben valorarse individualmente en la p\u00f3liza; de lo contrario, la aseguradora suele pagar un m\u00e1ximo de 1.500 \u20ac por objeto.<\/p>\n<h2>Obligaciones del asegurado en Portugal<\/h2>\n<p>En caso de siniestro, el asegurado est\u00e1 obligado a comunicarlo por escrito a la aseguradora en un plazo m\u00e1ximo de 8 d\u00edas desde que tuvo conocimiento del evento, explicando c\u00f3mo se produjo y sus causas y consecuencias. El asegurado debe adem\u00e1s tomar las medidas a su alcance para limitar las consecuencias del siniestro.<\/p>\n<h2>Obligaciones de la aseguradora en Portugal<\/h2>\n<p>La aseguradora est\u00e1 obligada a investigar el siniestro y a evaluar y resolver los da\u00f1os en un plazo de 30 d\u00edas. Si no lo hace en ese plazo, puede verse obligada a pagar intereses sobre el importe de la indemnizaci\u00f3n.<\/p>\n<h2 id=\"form\">Corredor de seguros de hogar en Portugal<\/h2>\n<p style=\"text-align: center;\"><div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-5160\"><form id=\"wpforms-form-5160\" class=\"wpforms-validate wpforms-form\" data-formid=\"5160\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/es\/wp-json\/wp\/v2\/pages\/3878\" data-token=\"5ade3717ce15497cf9d516a661cd24e8\" data-token-time=\"1776648949\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-5160-field_0-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"0\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_0\">Name <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-5160-field_0\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][0][first]\" required><label for=\"wpforms-5160-field_0\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">First<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-5160-field_0-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][0][last]\" required><label for=\"wpforms-5160-field_0-last\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Last<\/label><\/div><\/div><\/div><div id=\"wpforms-5160-field_1-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_1\">E-mail <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-5160-field_1\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][1]\" spellcheck=\"false\" required><\/div><div id=\"wpforms-5160-field_3-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"3\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_3\">Phone <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5160-field_3\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][3]\" required><\/div><div id=\"wpforms-5160-field_4-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"4\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_4\">Date of Birth <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5160-field_4\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][4]\" required><\/div><div id=\"wpforms-5160-field_5-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"5\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_5\">TIN \/ PASSPORT <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5160-field_5\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][5]\" required><\/div><div id=\"wpforms-5160-field_8-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"8\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_8\">Postal Code <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5160-field_8\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][8]\" required><\/div><div id=\"wpforms-5160-field_9-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"9\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_9\">Type of housing <span class=\"wpforms-required-label\">*<\/span><\/label><select id=\"wpforms-5160-field_9\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][9]\" required=\"required\"><option value=\"High-rise apartment\"  class=\"choice-1 depth-1\"  >High-rise apartment<\/option><option value=\"Apartment on the ground floor\"  class=\"choice-2 depth-1\"  >Apartment on the ground floor<\/option><option value=\"Top floor apartment\"  class=\"choice-3 depth-1\"  >Top floor apartment<\/option><option value=\"Detached house\"  class=\"choice-4 depth-1\"  >Detached house<\/option><option value=\"Attached house\"  class=\"choice-5 depth-1\"  >Attached house<\/option><\/select><\/div><div id=\"wpforms-5160-field_10-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"10\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_10\">Total built area in m\u00b2 <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5160-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" required><\/div><div id=\"wpforms-5160-field_11-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"11\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_11\">Year of construction <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5160-field_11\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][11]\" required><\/div><div id=\"wpforms-5160-field_12-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"12\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_12\">Housing regime<\/label><select id=\"wpforms-5160-field_12\" class=\"wpforms-field-medium\" name=\"wpforms[fields][12]\"><option value=\"Renter\"  class=\"choice-1 depth-1\"  >Renter<\/option><option value=\"Owner-occupant\"  class=\"choice-2 depth-1\"  >Owner-occupant<\/option><option value=\"Non-occupant owner\"  class=\"choice-3 depth-1\"  >Non-occupant owner<\/option><option value=\"Property for rent\"  class=\"choice-4 depth-1\"  >Property for rent<\/option><\/select><\/div><div id=\"wpforms-5160-field_13-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"13\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_13\">Value of your furniture in euros <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5160-field_13\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][13]\" required><\/div><div id=\"wpforms-5160-field_2-container\" class=\"wpforms-field wpforms-field-textarea\" data-field-id=\"2\"><label class=\"wpforms-field-label\" for=\"wpforms-5160-field_2\">Further information <span class=\"wpforms-required-label\">*<\/span><\/label><textarea id=\"wpforms-5160-field_2\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][2]\" required><\/textarea><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-field wpforms-field-hp\"><label for=\"wpforms-5160-field-hp\" class=\"wpforms-field-label\">Email<\/label><input type=\"text\" name=\"wpforms[hp]\" id=\"wpforms-5160-field-hp\" class=\"wpforms-field-medium\"><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"5160\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/pages\/3878\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-5160\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send\" aria-live=\"assertive\" value=\"wpforms-submit\">Send<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/p>\n<blockquote><p>Al validar el formulario de contacto, autoriza a transmitir su solicitud a un corredor de seguros de habla inglesa que podr\u00e1 contactarle directamente. Nada est\u00e1 automatizado: son profesionales que conozco, con sede en Lisboa y cualificados para acompa\u00f1arle en su proyecto.<\/p><\/blockquote>\n<h2>Seguros en Portugal<\/h2>\n<ul>\n<li><a href=\"https:\/\/essencial-portugal.com\/es\/noticias-portugal\/seguros-salud-portugal-como-elegir\/\">Seguro de salud Portugal<\/a><\/li>\n<li><a href=\"https:\/\/essencial-portugal.com\/es\/seguros-portugal\/seguro-moto-portugal\/\">Seguro de moto Portugal<\/a><\/li>\n<li><a href=\"https:\/\/essencial-portugal.com\/es\/seguros-portugal\/seguro-de-vida-portugal\/\">Seguro de vida Portugal<\/a><\/li>\n<li><a href=\"https:\/\/essencial-portugal.com\/es\/seguros-portugal\/seguro-dental-portugal\/\">Seguro dental Portugal<\/a><\/li>\n<li><a href=\"https:\/\/essencial-portugal.com\/es\/seguros-portugal\/seguro-coche-portugal\/\">Seguro de coche Portugal<\/a><\/li>\n<li><a href=\"https:\/\/essencial-portugal.com\/es\/seguros-portugal\/seguro-embarcaciones-portugal\/\">Seguro de barco Portugal<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>El seguro de hogar en Portugal es obligatorio para los propietarios, pero no para los inquilinos. La cobertura m\u00ednima exigida es un seguro contra incendios que cubra las paredes del inmueble. El seguro a todo riesgo no es obligatorio, pero s\u00ed muy recomendable. Seguro de hogar en Portugal: asistencia en ingl\u00e9s Encontrar el seguro de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3969,"parent":3166,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-3878","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/pages\/3878","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/comments?post=3878"}],"version-history":[{"count":2,"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/pages\/3878\/revisions"}],"predecessor-version":[{"id":10253,"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/pages\/3878\/revisions\/10253"}],"up":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/pages\/3166"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/media\/3969"}],"wp:attachment":[{"href":"https:\/\/essencial-portugal.com\/es\/wp-json\/wp\/v2\/media?parent=3878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}