How do I get an online quote for comprehensive insurance?

When looking for comprehensive home insurance, one of two things usually happens. Either you purchase the policy through an insurance broker or agent you already know, or you go with the first option you’re offered.

All to save time and effort.

And although this solution is easier, its simplicity doesn't mean it's the best deal for your portfolio or for you, since the right offer might be available from another insurance company you haven't checked with.

Changing your habits and using an online insurance calculator can offer even more benefits. It remains a convenient and quick solution, since you don’t have to leave home, and you have access to a range of different offers.

Currently, there are several insurance brokers in Portugal ready to assist you remotely; however, not all of them work with as wide a range of insurers as EXS SEGUROS, which currently partners with 26 insurers operating in the Portuguese market.

So, before signing up for a plan that protects your family and your home, run an online simulation to make sure you choose the most comprehensive and cost-effective plan.

In this article, we’ll show you how quick and easy it is to get an online quote for comprehensive insurance through EXS Seguros.

Benefits of Getting a Home Insurance Quote Online

Online insurance quotes have made it easier to choose insurance and simplified your life.

With an online quote, you can find the comprehensive home insurance policy that’s right for you, without leaving home. This way, you’ll learn about the coverage included and how it works, as well as the price of the plan.

These are just a few of the benefits of requesting an online quote. But there are more! Find out what they are, in detail, below.

• Speed and convenience

If you've never thought about buying insurance online while at the beach, know that it's possible! As long as you have your personal information and your home details on hand, you can submit your application in just a few minutes.

With an online simulator, you can run a simulation anywhere. All you need is a cell phone, computer, or tablet with internet access.

Thanks to this tool, you’ll save time and money on travel, and you can run your simulation from the comfort of your home or office.

• Security and Privacy

Although it is an online tool, your data is protected. The websites of Portuguese insurance companies, such as EXS Seguros, are reliable and legitimate.

Your information will not be used for unlawful purposes, as insurance brokers have a privacy policy in place that protects your personal data.

• Accuracy and customization

The proposals you receive are tailored to you, based on an analysis of your data and needs.
When you fill out the quote request form, you have complete freedom of choice. As you enter your information, simply select the coverage you need.

That's why we only show you offers that match your profile. This way, you avoid wasting time on irrelevant offers or reading unnecessary information.

• No limits

When you request a quote for comprehensive home insurance from an insurance broker, you have access to various quotes from different insurers.

In the case of EXS, when fill out the online form, You can compare the terms and conditions of Portugal's 26 leading insurance companies and access the best deals on the market.

This way, in addition to saving time, you also gain access to more favorable coverage and rates than if you were negotiating directly with an insurance company. Ultimately, you’ll learn about the options available on the market and be able to compare quotes until you find the one that best suits your needs.

And don’t be misled into thinking that by requesting an online quote, you’ll automatically be obligated to sign up for the plan. You can run as many quotes as you like, with no strings attached and at no cost. If it’s a good fit, you can sign up for the plan; otherwise, you can continue your search. The key is to figure out which comprehensive home insurance policy is best for you and your family.

• Professional support

If you’re still hesitant and prefer to work with an agent in person, know that you’ll also have that support when you request a quote online, as EXS Seguros provides personalized assistance throughout the entire process.

At EXS Seguros, your request is handled by professionals who are available to answer your questions and make the process easier for you. You’ll receive close, personalized support during the quote process, when you purchase the insurance, and throughout the entire term of your policy.

How do I run an online quote for comprehensive insurance?

Getting an insurance quote online is very easy. As we mentioned, all you need is internet access, a cell phone, computer, or tablet, and the necessary information.

From there, it's very simple. We'll explain!

If you use EXS's online insurance simulator, An insurance broker with over 25 years of experience—all you have to do is enter your information.

Next, our specialized professionals will contact you to address your request on a personalized basis. This ensures that we gather all the necessary information to conduct a thorough assessment of your needs and preferences.

Next, your information is analyzed and compared against the offers from the 26 leading insurance companies operating in Portugal, with the goal of finding the best solution for you.

By working with leading insurance companies, EXS Seguros has strong negotiating power and in-depth market knowledge. As a result, it is able to secure exclusive guarantees for its coverage, as well as special rates and benefits from insurers.

In the end, you’ll receive the solution that best meets your needs, with no strings attached and at no cost.

In addition, you can also count on personalized support from EXS professionals to answer any questions you may have before making your decision.

Learn everything you need to know about multi-risk insurance before purchasing a policy

Now that you know the benefits and how to request a quote online, there’s one question left to answer: What is comprehensive home insurance?

This plan provides coverage for a variety of types of damage that may be caused to your home, and can be extended to cover personal accidents involving your family and civil liability related to your pets.

With this insurance, you ensure protection for your home and its contents. In other words, it covers damage to the walls, the common areas of your property, and the items inside it.

So, it’s important to understand what comprehensive home insurance covers.

At EXS Seguros, certain types of coverage are always included, such as:

• Fire, lightning, and explosion;
• Storms and floods;
• Water damage;
• Property Liability Insurance;
• Electrical hazards and cosmetic damage.
• Theft or Robbery
• Breaking glass, mirrors, marble, and bathroom fixtures

You can also add other supplemental coverage options, such as:

• Housing assistance;
• Protection of the property's contents against accidents or theft;
• Protection of your personal property in the event of theft or robbery;
• Family civil liability;
• Seismic Phenomena
• Among others.

How Do You Determine the Insurance Coverage Amount?

In addition to selecting the desired coverage, you must also set the insured amount to match the cost of rebuilding the building or replacing the contents, and you will need to specify that amount.

It is important to carefully and accurately determine the insured amount, because it determines the premium you will pay for the policy and the maximum amount you may receive in the event of a claim. In this regard, if the insured amount is less than the cost of repair or replacement, the insurer will apply the proportional rule to the amount of compensation payable for the claim.
The proportional rule means that, for example, if you insured your home for €70,000 but its actual reconstruction value is €100,000, in the event of a claim, the insurer will reduce the compensation amount by the same percentage as the insured value—that is, approximately 70% of the value of the damages.
Conversely, if the actual value of your home is €100,000 and you insure it for €150,000, in the event of a claim, the insurance company will not pay out €150,000, but rather €100,000. In this case, you would be paying an insurance premium that is unnecessarily higher than it needs to be.

Therefore, it is essential that you calculate the value of your building and your assets in detail.

To do this, we suggest that you check the square meters listed in your property deed and multiply that figure by the per-square-meter reconstruction cost for your residential area to calculate the property’s value, and, regarding the contents of your home, we suggest that you list, in as much detail as possible, all the items that make up your household contents and assign a value based on the current market price for purchasing a new item with identical characteristics.

Conclusion

In short, requesting a quote is very easy. With online quote tools, you can receive and compare offers from different insurance companies, as well as the available coverage options and their respective prices—all without leaving home. And with EXS, an insurance broker, you can also enjoy personalized support.

EXS’s online simulator offers the most advantageous solution tailored to your needs. So, request a quote for comprehensive home insurance and ensure complete protection for your home and everyone who lives there.

But take this opportunity to request a quote for your other insurance policies as well, such as auto or health insurance. You can also take advantage of these benefits and get quotes for other essential plans for your daily life, such as life, travel, or personal accident insurance.