{"id":4084,"date":"2026-06-01T12:15:00","date_gmt":"2026-06-01T11:15:00","guid":{"rendered":"https:\/\/trust-investments.pt\/2026\/06\/01\/if-my-house-apartment-or-shop-is-rented-whose-responsibility-is-it-to-take-out-multi-risk-insurance\/"},"modified":"2026-06-01T15:26:11","modified_gmt":"2026-06-01T14:26:11","slug":"if-my-house-apartment-or-shop-is-rented-whose-responsibility-is-it-to-take-out-multi-risk-insurance","status":"publish","type":"post","link":"https:\/\/trust-investments.pt\/en\/2026\/06\/01\/if-my-house-apartment-or-shop-is-rented-whose-responsibility-is-it-to-take-out-multi-risk-insurance\/","title":{"rendered":"Home Life Insurance. What is it for?  Trust Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4084\" class=\"elementor elementor-4084 elementor-4071\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4485d92c e-flex e-con-boxed e-con e-parent\" data-id=\"4485d92c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-784adb48 elementor-widget elementor-widget-text-editor\" data-id=\"784adb48\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Life insurance associated with a mortgage primarily serves to guarantee that, if something serious happens to the loan holder, the mortgage debt is paid to the bank, thus also protecting the family. The most common coverages are:<br\/>Death: The insurer pays the outstanding mortgage capital in case of death.<br\/>Total and Permanent Disability (TPD\/PPD): This is the most comprehensive coverage and is currently in high demand. Compensation can be activated for disabilities starting at ~60%-65%, even if the person still maintains some autonomy. It is generally more expensive, but offers more realistic protection in many cases.<br\/>Online doctor: You can use this service without leaving home.<br\/>Dependent children: In practice, the &#8220;dependent children&#8221; coverage adds an additional amount paid to the beneficiaries\/family; this amount helps with the children&#8217;s expenses (education, food, financial stability, etc.).<br\/>It should also be noted that the bank may require life insurance to grant a mortgage. It is not mandatory to take out insurance through the bank \u2014 many people save a lot by taking it out elsewhere, and the premium depends heavily on age, health status, smoker\/non-smoker, loan amount, and loan term.<br\/>Exclusions are important, such as undeclared illnesses, high-risk activities, alcohol\/drugs, among others.    <\/p><p>Request a free quotation<\/p><p>+351 914 464 444 (WhatsApp)<br\/>(Call to national mobile network)<\/p><p>info@trust-investments.pt<\/p><p>#trustSeguros #lifeInsurance #mortgageInsurance #homeInsuranceSimulation #trustInvestments <\/p><p> <\/p>\t\t\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<div class=\"elementor-element elementor-element-1c40c76 e-flex e-con-boxed e-con e-parent\" data-id=\"1c40c76\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life insurance associated with a mortgage primarily serves to guarantee that, if something serious happens to the loan holder, the mortgage debt is paid to the bank, thus also protecting the family. The most common coverages are:Death: The insurer pays the outstanding mortgage capital in case of death.Total and Permanent Disability (TPD\/PPD): This is the most comprehensive coverage and is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4096,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[791],"tags":[1348,1347,515,296,1066],"class_list":["post-4084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-get-a-free-quote-for-your-credit-protection-insurance-trust-investments","tag-home-insurance-en","tag-life-insurance-en","tag-mortgage-en","tag-trust-life-insurance"],"_links":{"self":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/4084","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/comments?post=4084"}],"version-history":[{"count":3,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/4084\/revisions"}],"predecessor-version":[{"id":4099,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/4084\/revisions\/4099"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media\/4096"}],"wp:attachment":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media?parent=4084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/categories?post=4084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/tags?post=4084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}