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Reviewed by Lau, Community Manager · Last reviewed: June 2026
Covering Lisbon and nearby areas
Lisbon
Almada
Amadora
Barreiro
Cascais
Estoril
+ 7 more
Latest reviews for insurance agents in Lisbon
Real, phone-verified reviews from the expat community.
10
Ouzi
Braga, Nov 2025
I needed health insurance after moving here and a friend passed me his number. We took the health insurance and have used it a lot, and he kept accompanying us with claims and questions, being very available, proactive and attentive to details; he even sat with me to do the processes and once shared his internet so things got done properly. He explained my rights and options clearly and reminded me that I could get a refund for prescriptions, not just rubber stamping things. Overall the service has been adequate and convenient and felt like really good value.
9
Laura
Lisbon, Apr 2026
I worked with Nuno during our home purchase in 2023–2024, specifically for advice on insurance options. He explained the different coverages clearly and shared detailed information to help us understand what would suit our situation best. We communicated by phone and WhatsApp, and he was generally very responsive, even if we occasionally had to follow up. Overall, the support we received on the insurance side was very helpful and met our expectations.
9
Luiza
Sintra, Jun 2026
Frederico helped me with quotes for my mortgage and insurance, and that saved me a lot of time because I did not have to do that with each individual bank. He negotiated with them as well, which was helpful, and he was a good person to ask questions when I was not really aware of what I should be looking at. There was a bit of misinformation with my specific bank because they had slightly different rules and timings, so I think the recommendations could have been more specific to what my bank required. Overall, I would recommend him and would use him again.
How much do insurance agents cost in Lisbon?
Real price ranges from the jobs our vetted insurance agents actually do. Updated July 2026
Expat and international health insurance
How much does expat health insurance cost in Lisbon?
A common newcomer purchase. The broker is paid by the insurer, so ask which insurers they actually represent.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Income protection
How much does income protection advice cost in Lisbon?
Commission-funded advice; premiums depend on occupation and cover level.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Pension and retirement
How much does pension advice cost in Lisbon?
Commission or fee-based depending on the product. Ask which before starting.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Health insurance
How much does health insurance advice cost in Lisbon?
Advice is commission-funded; the premium depends on age and cover. Worth comparing, since public and private care work differently here.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Life insurance
How much does life insurance advice cost in Lisbon?
Commission-based advice. Premiums depend on age, health and cover.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Car insurance
How much does car insurance advice cost in Lisbon?
Commission-funded advice. Compare the excess, not just the premium.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Long-term care insurance
How much does long-term care insurance cost in Lisbon?
A niche product, commission-based.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Mortgage insurance
How much does mortgage insurance cost in Lisbon?
Usually arranged alongside the mortgage and commission-based.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Home insurance
How much does home insurance advice cost in Lisbon?
Often required by a mortgage lender. Advice is free; the premium is the cost.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Pet insurance
How much does pet insurance advice cost in Lisbon?
Commission-based, with premiums by species, age and breed.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Travel insurance
How much does travel insurance advice cost in Lisbon?
Cheap and commission-based. Check whether a card or existing policy already covers you.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Commercial property insurance
How much does commercial property insurance cost in Lisbon?
Quoted per property; the broker is paid by the insurer.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Professional liability insurance
How much does professional liability cover cost in Lisbon?
Required for some regulated professions. Commission-based advice.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Business insurance
How much does business insurance advice cost in Lisbon?
Commission-based, quoted per business by activity and turnover.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Claims support
How much does claims support cost in Lisbon?
Usually included in the broker's service rather than charged separately. One of the main reasons to use a broker at all.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Insurance comparison and advice
How much does insurance advice cost in Lisbon?
Brokers in Portugal are paid commission by the insurer, so comparing policies is normally free to you. What you pay is the premium itself.
Basis
commission paid by the insurer
You pay
the policy premium
Advice
usually free to you
Frequently Asked Questions
What expats want to know before hiring insurance agents in Lisbon.
Are there English-speaking insurance agents in Lisbon?
Yes, and more do as the expat community grows. The hard part is knowing who is reliable before you book, so every one we list is reviewed by other expats who have actually used them.
What should I check before hiring insurance agents in Lisbon?
Read recent reviews, be clear about exactly what you need, and agree the scope and an estimate in writing before any work starts. For anything regulated, check they hold the right credentials for the job.
What is the most important thing to know before booking?
Be clear about what you want and get the price and scope agreed up front, so there are no surprises. Reading other expats' reviews is the quickest way to find someone who does the job well and communicates clearly.
What should I avoid when hiring insurance agents in Lisbon?
Avoid paying the full amount up front (a deposit can be fair), anyone who will not give a clear quote, and unusually cheap prices that get padded with extras later.
How do I explain what I need if my Portuguese is limited?
A photo, a short video or a written list does most of the talking, and the professionals we list are used to international clients. Booking an English-speaking one takes the stress out of it entirely.
How do you say insurance agents in Portuguese?
In Portuguese, insurance agents are usually called agentes de seguros. That is the word to search for or to ask a neighbour, though many professionals here are used to the English term too.
How do I find insurance agents I can trust in Lisbon?
Check the reviews and any credentials before you book. On Locallista the reviews are phone-verified and the ranking is based on real expat experience, not who paid the most.
Selecting the right insurance agent is crucial for securing the protection and peace of mind you deserve. By adhering to these dos and don’ts, you can navigate the selection process with confidence, ensuring you find an agent who meets your needs and communicates effectively. Remember, an informed choice is not just about endorsements; it’s about understanding your unique situation and working with someone who prioritizes your requirements. With careful research and consideration, you can build a trusting relationship that supports you now and in the future.
Dos and Don’ts as an expat
Smart strategies: dos and don’ts for selecting the right insurance agent
Do’s
Do Research Their Reputation
Check the reputation of insurance agents by reviewing customer testimonials and ratings. Look for agents who consistently receive positive feedback on their trustworthiness and reliability, as this can provide valuable insight into the quality of service you can expect.
Do Inquire About Their Coverage Options
Ask potential insurance agents about the range of coverage options they provide. An adept agent should offer a variety of plans tailored to your specific needs, ensuring you receive the protection that best fits your situation and lifestyle.
Do Evaluate Their Communication Skills
Choose an insurance agent who communicates clearly and promptly. Effective communication is crucial for understanding policy details and making informed decisions. Ensure the agent is responsive to your inquiries and can explain complex terms in an easily digestible manner.
Dont’s
Don't Choose an Agent Without Checking Reviews
Failing to read reviews can lead to hiring an insurance agent with a poor reputation. Look for patterns in feedback regarding responsiveness, customer service quality, and claim handling to avoid agents who consistently disappoint clients.
Don't Ignore Communication Transparency
Avoid agents who do not clearly explain policy details, coverage limits, and exclusions. Lack of transparency can lead to misunderstandings and inadequate coverage when you need it most. Ensure your agent is open and communicative throughout the process.
Don't Rely Solely on Personal Recommendations
While personal referrals can be helpful, don't make your decision solely based on them. Each individual's needs are different, and an agent who worked well for one person may not meet your unique requirements or preferences. Conduct independent research.
Don't Overlook the Agent's Experience with Claims
Choosing an agent without a strong track record in handling claims can be risky. Agents who lack experience may not navigate the claims process effectively, potentially resulting in delays or denied claims. Ensure your agent is well-versed in claims support.