{"id":896,"date":"2025-07-31T10:32:34","date_gmt":"2025-07-31T10:32:34","guid":{"rendered":"https:\/\/www.medal.pt\/?page_id=896"},"modified":"2025-10-07T12:19:15","modified_gmt":"2025-10-07T12:19:15","slug":"assurance-habitation","status":"publish","type":"page","link":"https:\/\/www.medal.pt\/fr\/afpop-membres\/assurance-habitation\/","title":{"rendered":"Assurance Habitation"},"content":{"rendered":"\t\t
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Household Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Bearing in mind that your property is one of the biggest investments that you made, we developed an exclusive household policy.<\/p>

Happily held by thousands of afpop members, combines various types of standard covers such as earthquakes, Floods, Water Damage, Damage to Gardens, Breakage and Fall of Aerials, Masts, Solar or Wind Panels, Third party liability which combined with optional covers like Electrical Risks, Jewellery and Valuables and Accidental Damage enables protection to the main risks that can happen in your home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tGet a Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook a Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Major Benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tExclusive and very competitive rates\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tExclusive excesses and according to each client needs\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tA Department of Claims dedicated to provide a quality service\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tBreach of confidentiality\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tDefamation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tCosts to prevent a potential claim\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Discover our range of household insurance plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Get a personalised estimated quote, or chat to our experienced advisers to find a plan that best suits your needs.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Covers \/ Limits<\/th>Base<\/th><\/tr><\/thead>
RISKS APPLICABLE TO BUILDING AND CONTENTS<\/td><\/td><\/tr>
Fire, Lightning and Explosion<\/td>Sums insured<\/td><\/tr>
Storm<\/td>Sums insured<\/td><\/tr>
Hail and snow<\/td>Sums insured<\/td><\/tr>
Flood<\/td>Sums insured<\/td><\/tr>
Water damage<\/td>Sums insured<\/td><\/tr>
Impact or collision by road vehicles<\/td>Sums insured<\/td><\/tr>
Impact by solid objects<\/td>Sums insured<\/td><\/tr>
Falling aircraft<\/td>Sums insured<\/td><\/tr>
Falling trees<\/td>Sums insured<\/td><\/tr>
Breakage and fall of aerials, poles, solar or wind panels<\/td>2.500\u20ac<\/td><\/tr>
Accidental oil spillage<\/td>Sums insured<\/td><\/tr>
Theft or burglary<\/td>Amount Insured (Money = \u20ac125)<\/td><\/tr>
Demolition and removal of debris uns R\u00e4umungsarbeiten<\/td>5.000\u20ac<\/td><\/tr>
Expenses incurred to reduce losses<\/td>2.500\u20ac<\/td><\/tr>
Smoke damage<\/td>Sums insured<\/td><\/tr>
Damage to walls and fences<\/td>7.500\u20ac<\/td><\/tr>
Damage to gardens<\/td>2.500\u20ac<\/td><\/tr>
Locating leakage or damages<\/td>1.250\u20ac<\/td><\/tr>
Damage to pipes<\/td>250\u20ac<\/td><\/tr>
Physical (Cosmetic) damage<\/td>2.500\u20ac<\/td><\/tr>
Breakage of fixed glass, sanitary ware, marble tops and similar items<\/td>1.250\u20ac<\/td><\/tr>
Damage to underground pipes and cables<\/td>5.000\u20ac<\/td><\/tr>
Property owners liability<\/td>125.000\u20ac<\/td><\/tr>
Condominium owners liability<\/td>125.000\u20ac<\/td><\/tr>
Loss of rent<\/td>10% of the value of the building<\/td><\/tr>
Architect's fees<\/td>10% of the value of the building<\/td><\/tr>
Local authorities<\/td>10% of the value of the building<\/td><\/tr>
Electrical risks (electrical installation)<\/td>2.500\u20ac<\/td><\/tr>
Breakage of fixed glass in furniture, mirrors, marble tops or similar items<\/td>1.250\u20ac<\/td><\/tr>
Theft or burglary<\/td>Sums insured<\/td><\/tr>
Landlord insurance<\/td>2.500\u20ac<\/td><\/tr>
Insured's legal liability<\/td>125.000\u20ac<\/td><\/tr>
Third party liability (domestic animals)<\/td>125.000\u20ac<\/td><\/tr>
Third party liability (bicycles)<\/td>125.000\u20ac<\/td><\/tr>
Alternative accommodation<\/td>2.500\u20ac<\/td><\/tr>
Temporary relocation<\/td>2.500\u20ac<\/td><\/tr>
Home accident insurance for insured and insured's family<\/td>2.500\u20ac per person<\/td><\/tr>
Credit card replacement<\/td>150\u20ac<\/td><\/tr>
Replacement of personal documents<\/td>500\u20ac<\/td><\/tr>
Personal luggage<\/td>1.500\u20ac<\/td><\/tr>
Damage to domestic employee's property<\/td>250\u20ac<\/td><\/tr>
Frozen or refrigerated foods<\/td>500\u20ac<\/td><\/tr>
Earthquakes<\/td>Sums insured<\/td><\/tr>
Landslides<\/td>Sums insured<\/td><\/tr>
Malicious damage and acts of terrorism, vandalism or enemy agents (sabotage)<\/td>Sums insured<\/td><\/tr>
Strikes, riots and civil disturbances<\/td>Sums insured<\/td><\/tr>
OPTIONAL COVERS<\/td><\/td><\/tr>
Electrical risks (specified items)<\/td>The specified values of the electrical devices as described in the Policy<\/td><\/tr>
Electrical risks (First Risk)<\/td>Up to the limit shown in the schedule<\/td><\/tr>
Personal computers (specified items)<\/td>Specified value as new<\/td><\/tr>
Personal Computers (First Risk)<\/td>Up to the limit shown in the schedule<\/td><\/tr>
Jewellery and valuables (ALL RISKS)<\/td>Specified valued items<\/td><\/tr>
Garaged vehicles<\/td>Specified commercial value<\/td><\/tr>
Accidental damage<\/td>Contents amount insured<\/td><\/tr>
Assistance<\/td>Specified Limits<\/td><\/tr>
Assistance to domestic animals<\/td>Specified Limits<\/td><\/tr>
GOLF INSURANCE<\/td><\/td><\/tr>
Golf Clubs (all risks)<\/td>1.250\u20ac<\/td><\/tr>
Personal accident \/ Death\/ Personal disability<\/td>25.000\u20ac<\/td><\/tr>
Hole in One<\/td>250\u20ac<\/td><\/tr>
Medical Expenses \/ Insured \/ Caddy<\/td>1000\u20ac \/ 500\u20ac<\/td><\/tr>
DEDUCTIBLES (PER CLAIM) FOR OPTIONAL COVERS<\/td><\/td><\/tr>
Electrical risks<\/td>50\u20ac<\/td><\/tr>
Personal computers<\/td>50\u20ac<\/td><\/tr>
Accidental damage<\/td>100\u20ac<\/td><\/tr>
Actions<\/strong><\/td>
Get Free Quote<\/a>Book a Consultation<\/a>Download Brochure<\/a><\/div><\/td><\/tr><\/tbody><\/table><\/div>