Compare overseas property insurance quotes

What types of properties can be insured?

You can insure the following types of properties abroad in popular European countries like Spain and Portugal:

Some locations that are subject to particularly high natural disasters may be excluded from overseas holiday home insurance.

What type of coverage can I receive?

The coverage will be similar to your building and contents insurance you might already hold for your primary place of residence in the UK. However, due to the unique nature of overseas property, you can also be covered by your insurance for the travel costs of attending to emergencies at the property. If you have extra contents like golf clubs or solar panels in the property, this can be covered too.

The terms and conditions of each policy will outline what is included, and what is excluded.

Can I insure a property in another country?

If your property is abroad, you may think you can only insure the property through an insurer based in that country. You can choose to do that, however there may be language barriers and those policies may be more difficult to understand. 

The claims process may be different to a British policy, for example. 

You have the option of instead taking out a policy from a UK-based insurer which you may find more straightforward.

Do you rent out your overseas property?

If you do, standard home insurance may not be sufficient. If you rely on regular rental income you may wish to consider insurance coverage for loss of rental income, should there be unforeseen circumstances, like a global pandemic.

Overseas property insurance can also cover things like liability insurance for both guests who stay in your property, as well as any employees attending to the property for management, cleaning or maintenance reasons.

Some of these inclusions will be offered as standard in an overseas property insurance policy, others may be optional extras at an additional cost.

What can overseas property insurance cover as standard?

What other optional extras should I consider?