LIVING IN HARMONY IS EASIER WHEN EVERYONE IS PROTECTED


A SECURE CONDOMINIUM IS A SAFER CONDOMINIUM


Taking care of a building’s common areas means protecting everyone’s property and safety. Multi-risk condominium insurance covers the common areas (and may include individual units) against unexpected damage, preventing high costs and facilitating the handling of unforeseen events between condominium owners and the insurance company.

For those who can't afford to wait


Protection of the Common Heritage

It reduces the financial impact of unexpected damage to the building's common areas.

Safety for all residents

It ensures a response to situations that affect multiple property owners at the same time.

Compliance with Legal Obligations

In many cases, fire insurance is mandatory for condominiums.

Liability Insurance Coverage

It protects the condominium in the event of damage caused to third parties.

Support for Condominium Management

It simplifies the management of claims and extraordinary expenses.

Flexibility in protection

It is tailored to the building's characteristics and the needs of the condominium.

What does the insurance cover?


Damage to the building

Protection of common areas against fire, explosions, smoke, storms, and natural disasters.

Water damage

Coverage for damages caused by burst pipes.

Common areas of the building

Roofs, facades, stairways, elevators, garages, and other common areas.

Theft, robbery and Vandalism

Coverage for damage or loss resulting from acts of vandalism in common areas.

Civil Liability of the Condominium

It protects the condominium against liability for damages caused to third parties in the common areas.

Building Maintenance

Support services for urgent repairs and troubleshooting in common areas.

Additional coverage

Option to include additional coverage tailored to the building's characteristics.

Applicable Terms and Conditions

The actual coverage depends on the options selected and may vary depending on the insurer and the type of building.

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HOW DO YOU WANT TO PROTECT YOUR CONDOMINIUM?

Multi-risk condominium insurance is tailored to the building's characteristics and the needs of the common areas, regardless of the building's size or type.

How can we help?

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Dedicated Consultant

You'll have an exclusive dedicated consultant to assist you and answer any questions you may have at anytime.
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Assessment

We go through the best solutions available from our partner insurance companies.
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Insurance Quote

We'll send you a detailed quote with the most advantageous and suitable options.
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Subscription

We help you through the entire process, from start to finish.

THE STARS SPEAK FOR THEMSELVES.
AND OUR CUSTOMERS SPEAK FOR US.

Paulo Jorge Ribeiro

From our first contact all the way through to signing the policies, Mr. Pedro Marques handled the entire process with the utmost professionalism. It was the first time in my life that I received a “personalized” proposal. It’s worth discussing. I recommend him to my friends.

Ana Rita Fernandes

I would like to take this opportunity to express my appreciation for the professionalism and quality of service provided by your employee, Carla Aires.

I would like to highlight your responsiveness, efficiency, and clear communication, which contributed to a very positive experience.

Best regards
Ana Rita Fernandes

Victor Sambo

very good

Ernesto Dias

An extremely competent professional. I switched my home insurance without having to worry about the red tape involved. I’m satisfied not only because I was able to significantly lower my insurance premium, but also because of the professionalism, care, and competence shown in guiding me through the entire process.
I highly recommend Mr. Klycharlles Barners.

Carla Bom

I’m giving a 10-star recommendation for the service I’ve received from Klycharlles Barners and EXS SEGUROS. I’ve been a client for several years, with various types of insurance policies, and I’ll continue to purchase all my insurance through him. He is a highly competent professional who is always available, demonstrates deep knowledge of the insurance field, consistently presents the solutions best suited to the client’s needs, and, above all, inspires confidence in the service he provides. I highly recommend him!!!

Hugo Conceição

Klycharlles Barners 5*

Carla Santos

I highly recommend the services of EXS Seguros. They are extremely competent and dedicated professionals who are always available to answer any questions. They demonstrate a deep understanding of the insurance industry and consistently provide solutions best suited to the client’s needs. Their ethical approach and professionalism inspire confidence and reassurance. Without a doubt, an excellent insurance agent.

Jorge Silva

Kly is an excellent professional—someone who, within the company, followed up on my cases (mine and my wife’s) and went from being an employee to a friend, even though we’ve only ever spoken on the phone. I highly recommend him, as he is competent, trustworthy, and reliable—qualities that are hard to find these days. Congratulations to the company for having a professional like him.

Nuno Gomes

I’ve been a client of the company for almost 3 years, and I’ve always worked with Clycharlles Barners to handle my needs. The support provided has been excellent. Clycharlles has always demonstrated great professionalism, competence, and complete transparency in all the information provided. He is clear, approachable, and inspires confidence. I am very satisfied with the service provided. Keep up the good work.

Rafael Castro

Highly recommended. Awesome service, efficient and clear communication, and the best prices. Andreia Jacques was our dedicated agent, and we couldn’t be happier with her service. She made us feel like we were her only client and her top priority.

Find the answers to your questions


What is multi-risk condominium insurance?
This insurance is designed to protect the common areas of a condominium against various risks.
Is this insurance mandatory?
If each unit has its own multi-risk policy covering common areas, it is not mandatory. However, a multi-risk condominium policy offers broader coverage and facilitates communication and the resolution of claims, since it represents all the units.
Does the insurance cover individual units?
It depends—if it covers only common areas, it applies to the common areas. Generally, individual units must be covered by their own home insurance.
Who purchases the insurance?
Insurance is usually purchased by the condominium management on behalf of all the unit owners.

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