Insuring Your Overseas Home

The number of UK residents how now have overseas homes is steadily on the increase. In some cases these overseas homes are for holiday purposes, such as with Spain, in er cases they’re bought for the purpose of spending at least part of the time of the owner’s retirement, such as with Cyprus. Either way, more often than not the British owner of the home would prefer not to have the overseas home insured by an offshore insurance provider, but rather by an insurance provider .

So, if you have an overseas home and would like a UK home insurance company to provide you with insurance, what can you ct to get,

Home Contents and Home Buildings Insurance

A number of providers of overseas home insurance policies have merged the home contents and home insurance policies to be an amalgad overseas home insurance policy. This mega policy should cover you for b circumstances.

Public Liability Insurance

Should be a must, especially if you are considering the overseas home out for the part of the year that you are not there.

Lost Earnings

If you think that your overseas home about is going to be a major spinner for you, you may well want to consider insuring yourself against any lost earnings. Basically, this insurance will reimburse you if your holiday tenants suddenly have to cancel.


As with mainland UK home insurance policies, you need to make sure you are protected against theft. All the usual precautions about invoicing your needs to be taken into consideration with your holiday home. Also, you need to check the excess deductibles carefully, as in most cases this can range from 50 – 200

Natural Dis

As recent natural disaster such as the , tsunami, and quakes have shown, certain geographical regions outside of the UK are more prone to natural dis than the UK itself is. Consequently, you should make sure that your overseas home is adequately insured against this risk.

Insurance for your overseas home can be arranged cheaply over the internet, or else you can arrange to have the insurance provider by a specialist overseas home insurance company in your area. Do keep in mind that as this is effectively your second home, your home insurance premiums will be marginally higher than you may normally be cted to pay with the home you live in, especially if you are using the home in any way to generate income.

This site uses Akismet to reduce spam. Learn how your comment data is processed.