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In Portugal, coverage for seismic events (earthquakes/seismic events) is optional, but it can be contracted as supplementary coverage within multi-risk insurance policies, such as:
Home Multi-Risk Insurance
Business or Commercial Multi-Risk Insurance
Seismic coverage protects against damage caused by:
Earthquakes / tremors
Erupções vulcânicas
Tsunamis caused by earthquakes
The damage may include:
Cracks or collapses in walls, ceilings, structures
Damage to movable property (furniture, appliances, etc.)
Losses associated with the inability to use the dwelling (e.g., temporary relocation)
Conditions and Exclusions
Deductible: generally 5% to 10% of the insured capital on the building.
Waiting period: There may be a waiting period (e.g., 7 days after signing the contract).
Common exclusions:
Damage to unlicensed constructions
Ruined or poorly maintained properties
Damage that is not a direct consequence of the seismic event.
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