{"id":5237,"date":"2026-10-07T10:37:12","date_gmt":"2026-10-07T10:37:12","guid":{"rendered":"https:\/\/cjseguros.pt\/?p=5237"},"modified":"2026-11-03T10:36:10","modified_gmt":"2026-11-03T10:36:10","slug":"moving-house-updating-insurance","status":"publish","type":"post","link":"https:\/\/cjseguros.pt\/en\/mudanca-casa-atualizar-seguro\/","title":{"rendered":"Have you moved house? Update your insurance"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Updating your home insurance is essential when you move house: your new address, the value of your contents, the risks in the area and your mortgage may all affect the cover you need. Between packing boxes, moving house and the endless list of things to sort out, home insurance is usually the last thing on your mind. However, keeping your old policy could leave you inadequately covered in your new home or paying for cover that no longer makes sense. Before you hand over the keys, check the details of your policy with an insurance broker.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Have you moved house? Come and update your insurance at a branch near you<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free review of your current policy<\/li>\n\n\n\n<li>Update carried out on the spot, in person<\/li>\n\n\n\n<li>5 shops available nationwide<\/li>\n\n\n\n<li>No obligation to take up the offer<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/cjseguros.pt\/en\/contact\/\">Get in touch with us to review your policy<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What changes when you need to renew your insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When updating your home insurance following a move, check the value of your contents, the risk associated with the location and, in some cases, the mortgage on your new home. It is also important to confirm the property\u2019s floor area, whether there is a garage or outbuildings, the security systems in place, and any high-value items. This information helps to ensure that your home insurance covers the reality of your new home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who should update their insurance after moving house?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Anyone who has recently moved house should update their insurance. Even if your policy looks the same, the risk covered is no longer the same. It\u2019s particularly important to review your cover if you\u2019ve moved to a different area, bought new furniture, taken out a new mortgage or moved to an area with different characteristics. This way, you\u2019ll avoid any surprises should you need to make a claim.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What you need to go over<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Guaranteed value of the filling<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on whether the new house is bigger or smaller.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage credit risk<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a new loan, check the <a href=\"https:\/\/cjseguros.pt\/en\/life-insurance-housing-loan-risk\/\">Mortgage Risk Life Insurance<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When renewing your insurance, please also check whether the place where your car is parked overnight has changed. A locked garage, on-street parking or an area with heavier traffic can all affect the risk assessed by the insurer. Always provide your new address and usual parking location so that your car insurance is kept up to date.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Advantages of renewing in person<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Immediate update<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When you renew your insurance in person, you\u2019ll leave the branch with your policy already updated and know exactly which cover remains in force. If any documents are missing, we\u2019ll explain what you need to send in and follow the process through to final confirmation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Full review<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019d like to take this opportunity to check whether you\u2019re still getting the best terms on the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much does it cost to renew the insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Updating your insurance may involve an adjustment to the premium depending on the new risk, but the quote and the home visit are always free of charge. The final cost depends, for example, on the sum insured, the location, the cover chosen and the policy\u2019s history. Requesting a review before moving allows you to compare options and make an informed decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Insurance updates for different situations<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Moving to a bigger house<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Review the <a href=\"https:\/\/cjseguros.pt\/en\/multi-risk-home-insurance\/\">Multi-risk home insurance<\/a> to cover the new filling properly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transfer of a mortgage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Update the life insurance policy linked to the new loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Moving to a new city<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You will now be served by the shop closest to your new address.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why choose CJ Seguros?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5 shops across the country<\/li>\n\n\n\n<li>Immediate, face-to-face update<\/li>\n\n\n\n<li>Comparison of various insurers<\/li>\n\n\n\n<li>Personalised support<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions about updating your insurance after moving house<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Do I have to update it on the day of the move?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ideally, you should do this as soon as possible, so that you aren\u2019t left exposed if something unexpected happens.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Could the update cause the premium to rise?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It may go up or down, depending on the risk associated with the new property. That\u2019s why it\u2019s worth discussing this with an estate agent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/cjseguros.pt\/en\/contact\/\">Find CJ Seguros branches near you<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.consumidor.asf.com.pt\/pt\/servi\u00e7os\/entidades-autorizadas\" target=\"_blank\" rel=\"noopener\">To check whether an organisation is authorised to carry out insurance business in Portugal, please consult the ASF\u2019s list of authorised organisations.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Atualizar seguro \u00e9 essencial quando mudas de casa: a nova morada, o valor do recheio, os riscos da zona e o cr\u00e9dito \u00e0 habita\u00e7\u00e3o podem alterar as coberturas de que precisas. Entre caixotes, mudan\u00e7as de morada e a lista intermin\u00e1vel de coisas a tratar, o seguro da casa \u00e9 normalmente a \u00faltima coisa em que [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":5241,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-5237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-habitacao"],"_links":{"self":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/posts\/5237","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/comments?post=5237"}],"version-history":[{"count":4,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/posts\/5237\/revisions"}],"predecessor-version":[{"id":5247,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/posts\/5237\/revisions\/5247"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/media\/5241"}],"wp:attachment":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/media?parent=5237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/categories?post=5237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/tags?post=5237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}