THE ESSENTIALS
Before you start
- Describe present occupancy.
- Separate facts from plans.
- Clarify the classification.
Start with what actually happens
In the Allianz Casa wording consulted, the main residence is where the insured person has an established domestic life. A secondary residence is used part of the time, such as a holiday home. These are product-specific definitions: read the wording of the actual quotation before selecting an option.
Describe who uses the property, how regularly and for what purpose. Separate the present situation from uncertain plans. Do not round an absence up or down merely to fit a form option.
Sources: Allianz Casa — wording 2050, main and secondary residence; product example ↗
A change worth clarifying
Fictional example: Rui calls an apartment their holiday home, although Inês now works and stays there for part of each week. They do not decide its insurance classification themselves: they describe the new routine and ask how it should be recorded.
List changes by date and nature. An occupancy estimate may help explain the situation but should not be presented as a confirmed contractual threshold. This article supplies no number of unoccupied days applicable to every policy.
Check the description and reply
Ask whether the change requires further information or a review of terms. If an amendment is accepted, verify its document and effective date. Sending a message does not prove an amendment has been completed.
Keep the explanation with the correct quotation or policy version. Do not publish addresses, absence periods or photographs exposing personal details in a group. Visit Home Insurance on rmachado.group to prepare a request and describe actual use through the indicated channel.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Describe present occupancy.
- Separate facts from plans.
- Clarify the classification.
- Keep the reply and version.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.