Seguro Casa - Home Insurance
Protecting my home starts today.
- Immediate sign‑up with no capital declaration required
- Protection for your property beyond the four walls
- Dedicated claims manager to support you throughout the entire process
Home Insurance: your home protected in every situation.
Owner‑occupied home
I own my home and want to protect both the property and everything inside it, with cover tailored to my profile.
Landlord insurance
I own one or more properties rented to third parties and want to protect my assets with cover adapted to my profile.
Tenant insurance
I am a tenant and want insurance to protect my belongings, with cover suited to my needs.
New optional cover
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Landlord protection
Protection for the building, specialised assistance and cover for loss of rental income due to loss of use, up to 12 months and €2,000 per month
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Tenant protection
Rent guarantee solution in case of unemployment or hospitalisation, up to a maximum of 6 months and €2,000 per month
A more sustainable home insurance
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Discount available for customers
with energy‑efficient homes rated A or A+
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Home Green: Access to a range of services
designed to improve the energy efficiency of your home. Available in Formula L
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Energy‑efficient replacement cover
An innovative cover that ensures, in the event of a claim that damages insured elements, their replacement with more energy‑efficient alternatives.
Available in Formula L
Cover for a wide range of unexpected events
Home Insurance gives you access to home multi‑risk cover, with or without contents, protecting your home against different types of unforeseen events. Here are some of the included cover options:
Because your home is more than just four walls
Electronic equipment cover
Pet cover
Family protection
Get a quote and buy Seguro Casa - Home Insurance online
Getting your Home Insurance is simple, fast and 100% online.
Follow each step and complete your policy with confidence.
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Buy your insuranceComplete your policy online and get your home protected straight away
Need help choosing your Seguro Casa - Home Insurance plan?
Customer aged 30, main residence, apartment in Lisbon, built in 2012, 2 rooms, 60 m².
| PLAN | Buildings | Contents | Buildings and contents |
|---|---|---|---|
| FÓRMULA S The essentials to keep your home protected. | €88,89/year | €37,72/year | €94,77/year |
| FÓRMULA M Broader and more robust cover. | €107,55/year | €47,23/year | €123,44/year |
| FÓRMULA L Complete protection for your home, belongings and household. | €186,54/year | €132,41/year | €213,68/year |
*Important information: A “room” refers to a bedroom or living room, excluding the kitchen, bathrooms, small storage areas, entrance halls and attic spaces. A room is considered to have a gross floor area of up to 30 m².
Prices shown include policy issuance costs and are indicative only. Please run your own quote to see the premium for your specific situation. This example is based on the data above and assumes no risk‑aggravating factors, subject to confirmation by the insurer.
| Cover | s FOrmula | M fORMULA | l foRMULA |
|---|---|---|---|
| Fire, lightning and explosion | ✓ | ✓ | ✓ |
| Natural hazards cover - Storms, flooding and land subsidence. | ✓ | ✓ | ✓ |
| Impact damage from vehicles, animals or aircraft | ✓ | ✓ | ✓ |
| Water damage | ✓ | ✓ | ✓ |
| Debris removal and demolition costs | ✓ | ✓ | ✓ |
| Glass and sanitary ware breakage | ✓ | ✓ | ✓ |
| Antenna and solar panel damage | ✓ | ✓ | ✓ |
| Riots and vandalism | ✓ | ✓ | ✓ |
| Temporary loss of use and relocation | ✓ | ✓ | ✓ |
| Home assistance and cyber risks | ✓ | ✓ | ✓ |
| Theft or robbery | ✓ | ✓ | ✓ |
| Earthquake | Opcional | Opcional | Opcional |
| Legal protection | ✓ | ✓ | ✓ |
| Electrical incidents | - | ✓ | ✓ |
| Property owners’ liability | ✓ | ✓ | ✓ |
| Family liability | - | ✓ | ✓ |
| Accidental leakage | - | ✓ | ✓ |
| Aesthetic damage (2) | - | ✓ | ✓ |
| Spoiled refrigerated goods (1) | - | ✓ | ✓ |
| Personal accident | - | - | ✓ |
| New-for-old replacement (1) | - | - | ✓ |
| Energy‑efficient replacement | - | - | ✓ |
| Home Green | - | - | ✓ |
| Tenant protection | Optional | Optional | Optional |
| Landlord protection | Optional | Optional | Optional |
(1) For those who have home contents cover secured
(2) For those who have building cover secured
Get a quote for your Home Insurance now
Existing customer
Log in to the App or novobanco Online to get your quote.
In case of a claim or assistance
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In case of a claim or assistance
We are here to support you whenever you need it
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Claims helpline
For claims, call our helpline on 800 200 418.
Available 24/7Assistance services helpline
For assistance services, legal protection, home green, cyber risks and optional modules such as pets, electronic equipment and family protection, call 213 855 560.
Call to the portuguese landline network -
Animadomus portal
Access the Animadomus Portal, where you can use several features, including provider network search and agreed prices, digital pet card and online expense submission
I had a flood in my home and needed to activate my Seguro Casa - Home Insurance. I was very satisfied with the service because it was fast, simple, and I had a dedicated claims manager who closely followed the entire process with great care.
I applied for the insurance and found the whole process very simple and very fast. From the quote, which was quite intuitive, to the team’s response, everything was handled quickly and efficiently.
After comparing several insurers, I chose novobanco because of the breadth of its cover, which makes me feel genuinely secure.
Documents
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Renewal notices:
We help you understand how your insurance premium is calculated and which variables are taken into account.
Simple. Clear. Transparent.
Frequently asked questions
Home Insurance is a home multi‑risk policy that, in addition to mandatory cover, allows you to protect the building and/or contents against multiple risks such as fire or water damage. It applies whether you are a homeowner or a tenant.
Home Insurance protects your home against risks that may cause damage or loss, such as fire or flooding.
For properties under horizontal property ownership (apartments), Home Insurance is mandatory by law.
In addition to cover against major risks like fire and water damage, novobanco home insurance includes:
• Home assistance services
• Cyber risk protection
• Optional modules for:
– Pet protection (dog or cat)
– Electronic equipment cover
– Family protection
This gives you flexible protection tailored to your lifestyle.
If you are a novobanco customer, you can take out Home Insurance anytime, anywhere via the App or novobanco Online.
If you are not a novobanco customer, you can run a quote on the website and request a contact. You will be contacted within up to 48 hours to complete your subscription.
Alternatively, you can subscribe at any novobanco Branch or via the Insurance Helpline, by calling:
• 218 837 700*
• 707 247 365*
Available on business days from 09:00 to 21:00, with specialised support.
* The call cost for Direct Line through 218 837 700 is the cost agreed between the customer and their telecommunications operator, and through 707 247 365 it is €0.09 per minute from the fixed network and €0.13 per minute from the mobile network, plus VAT at the legal rate in force. Personalized support on weekdays from 8 a.m. to 10 p.m., and on weekends and public holidays from 9 a.m. to 6 p.m.
Home Insurance protects you against unexpected events occurring in your home.
If a covered event takes place, such as fire or water damage, the losses are covered up to the limits defined in your policy.
Run a quote to explore the benefits and choose the cover that best suits your needs.
Your insurance premium depends on the characteristics of your home and the cover selected.
If you are a novobanco customer, you can run a quote anytime via the App or novobanco Online.
If you are not a novobanco customer, run a quote on the website and request a contact. You will be contacted within up to 48 hours.
Alternatively, you can visit a novobanco Branch or contact the Insurance Helpline at:
• 218 837 700*
• 707 247 365*
Available on business days from 09:00 to 21:00, with a dedicated support team.
* The call cost for Direct Line through 218 837 700 is the cost agreed between the customer and their telecommunications operator, and through 707 247 365 it is €0.09 per minute from the fixed network and €0.13 per minute from the mobile network, plus VAT at the legal rate in force. Personalized support on weekdays from 8 a.m. to 10 p.m., and on weekends and public holidays from 9 a.m. to 6 p.m.
To find out in detail what your home insurance covers and does not cover, you can consult the Insurance Product Information Document and the General and Special Terms and Conditions of the home insurance.
You should contact your branch or the Direct Line, through the numbers 218 837 700* or 707 247 365* (available on business days, from 09:00 to 21:00), where a specialised team will assist you in making the necessary changes to your insurance contract.
* The call cost for Direct Line through 218 837 700 is the cost agreed between the customer and their telecommunications operator, and through 707 247 365 it is €0.09 per minute from the fixed network and €0.13 per minute from the mobile network, plus VAT at the legal rate in force. Personalized support on weekdays from 8 a.m. to 10 p.m., and on weekends and public holidays from 9 a.m. to 6 p.m.
The contract can be terminated by either party at any time, for just cause, by registered letter.
The contract may also be cancelled with a minimum notice period of 30 days before the renewal date.
You can also contact your branch or the Linha Direta - Direct Line via 218 837 700* or 707 247 365* (available on business days, from 09:00 to 21:00), where a specialised team will assist you.
* The call cost for Direct Line through 218 837 700 is the cost agreed between the customer and their telecommunications operator, and through 707 247 365 it is €0.09 per minute from the fixed network and €0.13 per minute from the mobile network, plus VAT at the legal rate in force. Personalized support on weekdays from 8 a.m. to 10 p.m., and on weekends and public holidays from 9 a.m. to 6 p.m.
You can insure the building and/or the contents of your home, depending on your situation, for example whether you are an owner or tenant. Contents insurance allows you to protect your belongings against various risks (namely fire, water damage, etc.) up to a defined amount (€20,000, €65,000 or €100,000 depending on the plan you choose).
In the event of a claim, contact the helpline on 800 200 418 (freephone, available 24/7), where a team of specialists will be available to assist you.
For assistance services, cyber risks, legal protection, home green and optional modules (pets, electronic equipment and family protection), contact the helpline on 213 855 560 (call to the national landline network).
For pets, additional features are available via the Animadomus Portal, including provider network search and agreed prices, pet card and online expense submission.
Home insurance
Bring security to your home.
LEGAL INFORMATION
Product marketed by NOVOBANCO, S.A., with registered office at novobanco Campus, Av. Dr. Mário Soares, Taguspark, Building 1, 2740‑119 Porto Salvo, registered with the Insurance and Pension Funds Supervisory Authority, under the category of Insurance Agent with no. 419506141, since 21.01.2019. Authorised to market Life and Non‑Life insurance products from insurers GamaLife, Mudum – Companhia de Seguros, S.A., Generali Seguros S.A., Europ Assistance, GNB Fundos de Pensões and Coface. Without powers of representation of the insurers for the conclusion of insurance contracts; without powers to receive insurance premiums and does not assume the coverage of risks. All information regarding the Insurance Agent can be consulted at www.asf.com.pt.
Contracts concluded by Mudum – Companhia de Seguros, S.A., Av. Miguel Bombarda 4 – Floor 9, 1049‑079 Lisbon – PO Box 24047 – CTT Campo de Ourique Post Office (Lisbon) 1251‑977 Lisbon, Portugal – Share Capital €15,000,000 – No. 503 718 092, corporate entity and registration at the Lisbon Commercial Registry Office.
This message does not dispense with consultation of the pre‑contractual and contractual information legally required.
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal