Insuring Your Overseas Home

The number of UK residents how now have overseas homes is ily on the increase. In some cases these overseas homes are for holiday purposes, such as h Spain, in other cases they’re bought for the purpose of spending at least part of the time of the owner’s retirement, such as h 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 provider, but rather by an provider closer to home.

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

Home Cons and Home Buildings

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

Public Liability

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 will reimburse you if your holiday tenants suddenly have to cancel.


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

Natural Disasters

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

for your overseas home can be arranged cheaply over , or else you can arrange to have the provider by a specialist overseas home company in your area. Do keep in mind that as this is effectively your second home, your home premiums will be marginally higher than you may normally be cted to pay h 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.