OUR HOME IS OUR SAFE HAVEN. PROTECT IT


IS YOUR HOME, SWEET HOME, PROTECTED—FROM THE ATTIC TO THE BASEMENT?


Comprehensive home insurance gives you peace of mind and financial stability by protecting both your home and the belongings inside it against fire, storms, theft, and other types of damage.

For those who don't want to wait


Protection against damage to the property and personal belongings

Against fires, storms, floods, and other disasters.

Liability Insurance Coverage

Protects against unintentional damage caused to third parties.

Home Care

Support in situations such as breakdowns and urgent repairs.

Flexibility of choice

Different levels of protection that can be adjusted to suit your needs.

Financial security

Support for high costs that could jeopardize the budget.

Coverage for Homeowners and Renters

Solutions tailored to different lifestyles.

What is covered?


Damage to the building

Structural damage caused by fire, explosion, smoke, storms, earthquakes, and natural disasters.

Water Damage and Flooding

Protection against water damage caused by plumbing issues, leaks, and flooding.

Filling and contents

It protects personal property, furniture, and household appliances against various risks.

Theft and Vandalism

Covers loss or damage resulting from theft and vandalism.

Civil Liability

Provides protection against liability for damages caused by the household to third parties.

Family Liability Insurance

Provides protection against liability claims by third parties for damages your household may cause in everyday life

Housing Assistance

Support services for urgent repairs and in-home assistance.

Additional options

Additional coverage, such as computer assistance, furniture transport, and temporary housing after a disaster, among other things.

background overlay

HOW DO YOU PREFER TO PROTECT YOUR HOME?

Comprehensive home insurance offers different levels of protection, ranging from basic coverage to more comprehensive options that include assistance, property, and liability coverage. You can choose the plan that best fits your lifestyle and budget. And when you talk to us, let us know which parts of the property or its contents concern you most, so we can make sure you have all the coverage you need to address your biggest concerns.

How can we help?

product-sec-6-icon-1

Dedicated Account Manager

We provide a dedicated consultant to assist you and answer your questions whenever you need it
product-sec-6-icon-2

Evaluation

We analyze the best solution for you from among the offers available from our partner insurance companies
product-sec-6-icon-3

Simulation

We have sent you a detailed simulation showing the most advantageous and suitable options
product-sec-6-icon-4

Subscription

We guide you through the entire process, from start to finish, with your insurance

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

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.

Gustavo Gonçalves

I recently had the pleasure of working with Klycharlles Barners at EXS on my personal insurance, and I can’t recommend him highly enough. Thank you, Charles.

Find the answers to your questions


What is comprehensive home insurance?
It is a policy that combines various types of coverage for your home—and, if you choose, the property inside it—against damage, loss, and civil liability.
Is it required?
By law, only fire insurance is mandatory in certain situations (e.g., home loans). Comprehensive insurance offers broader coverage and is recommended for most homes. This way, you’re protected against the most common types of damage that occur in homes (water leaks, earthquakes, storms, among others).
Does the insurance cover belongings inside the home?
Yes—if you wish, you can choose to insure what is known as the "contents," which includes household goods, appliances, and personal items, depending on the plan you choose.
What if damage is caused to third parties?
Liability insurance can help cover damages and related costs.

Try it here!
Quick and with no obligation

Please enable JavaScript in your browser to complete this form.
House or apartment?
Separation of concrete floors?
Communications