{"id":850,"date":"2024-09-18T02:11:00","date_gmt":"2024-09-18T02:11:00","guid":{"rendered":"https:\/\/www.medal.pt\/libero-dolor-ipsa-sit-possimus-et\/"},"modified":"2025-10-28T15:49:41","modified_gmt":"2025-10-28T15:49:41","slug":"home-insurance-why-you-must-have-it-and-keep-it-updated","status":"publish","type":"post","link":"https:\/\/www.medal.pt\/de\/aktuelles\/home-insurance-why-you-must-have-it-and-keep-it-updated\/","title":{"rendered":"Hausversicherung \u2013 Warum sie wichtig ist und aktuell bleiben sollte"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Portugal continues to be a top choice for those seeking a mild climate, rich culture, and exceptional quality of life. However, the risks of theft, earthquakes, and other natural disasters have been increasing year on year, highlighting the importance of having an appropriate and up-to-date home insurance policy, especially when considering that your home is likely one of the largest investments you will make in your lifetime.<br><br><strong>How to insure and what to cover?<br><\/strong>At MEDAL, we have developed an exclusive home insurance policy to protect your assets. We offer building insurance, contents insurance, and \u2018All Risks\u2019 coverage, including jewellery and valuable items. When taking out insurance, consider the following factors to determine the insured amounts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00a0 \u00a0 Reconstruction Cost<\/strong>\u00a0\u2013 this should include not only the building, but also terraces, walls, fences, swimming pools, and other small structures.<\/li>\n\n\n\n<li><strong>\u00a0 \u00a0 Inhalt<\/strong>\u00a0\u2013 the amounts insured should be sufficient to replace the insured items with new ones (New for Old).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why should you review your insurance annually?<br><\/strong>As your home&nbsp;will likely be your biggest investment in Portugal, it is crucial to ensure that both the building and its contents are insured with appropriate values. Theft and natural disasters (such as earthquakes, storms, heavy rains, or even fires) are not that uncommon in Portugal, so an insurance policy with outdated insured amounts could have disastrous consequences in the event of a claim.<br><br>Read more about our thoughts on this matter&nbsp;in Portugal Resident&#8217;s new article:&nbsp;<a href=\"https:\/\/www.portugalresident.com\/home-insurance-why-you-must-have-it-and-keep-it-updated\/\" target=\"_blank\" rel=\"noreferrer noopener\">hier<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Portugal continues to be a top choice for those seeking a mild climate, rich culture, and exceptional quality of life. However, the risks of theft, earthquakes, and other natural disasters have been increasing year on year, highlighting the importance of having an appropriate and up-to-date home insurance policy, especially when considering that your home is [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2357,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"class_list":["post-850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Home insurance \u2013 why you must have it and keep it up to date | MEDAL<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.medal.pt\/de\/aktuelles\/home-insurance-why-you-must-have-it-and-keep-it-updated\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home insurance \u2013 why you must have it and keep it up to date\" \/>\n<meta property=\"og:description\" content=\"Portugal continues to be a top choice for those seeking a mild climate, rich culture, and exceptional quality of life. 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