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Expat Home Insurance

Ensuring that your home and contents are comprehensively covered is an essential part of expat life. Find out how not to leave anything to chance.

Last updated 13 August 2018

Home and contents insurance for an overseas move is very different from your typical domestic homeowners or renters home insurance policy.

It is important that as an expat you invest in a home insurance policy specifically designed to cover the unique aspects of your expat situation.

It is not recommended that expats rely on the insurance policy provided by shippers and packers which are provided when you move overseas. Such home insurance policies may be inadequate, expensive or simply unavailable. Also, in the event of a loss, it may be difficult to determine which party is fully responsible, resulting in potential denial of your claim.

When setting up your expat home insurance it is also advisable to complete a full inventory of effects, both transported abroad and left in UK commercial storage. This allows you to comprehensively file claims with an insurance company in the event of a loss.

Frequently asked questions

What should my home insurance policy cover?

When moving or living abroad your home insurance policy should be able to cover items you take with you and also anything left behind in the UK.

What is unscheduled coverage and do I need it?

Unscheduled coverage is where lower value items are covered without having to be specifically identified by your home insurance policy.

Most items in your home will fall under the unscheduled coverage of your home insurance policy. However, for higher value items (eg. jewellery, computers, art) you should opt for scheduled coverage to ensure they are specifically covered by your home insurance policy.