Expat landlord insurance protects UK property owners who are living overseas against financial losses suffered in connection with their rental property. It protects the building itself and related risks such as injury or loss suffered by a tenant because of a fault.
It’s important for expat landlords to note that standard home insurance won’t cover the specific needs of your rental property, especially if you are not in the UK for extended periods of time. Our expat landlord insurance is designed to meet the unique needs of non-resident landlords. Taking out insurance for overseas landlords will give you the peace of mind that you are protected against the unexpected, no matter how far away you may be.
If you are unable to visit your property regularly it may be advisable to enlist a managing agent to look after things for you while you are away.
Managing agents will be able to take care of everything from tenancy deposit protection to mid-term property inspections and maintenance issues, saving you the hassle.
For more advice, including information on the Non Resident Landlord Scheme, read our ‘Non resident landlord guide to letting a property in the UK’.
At Total Landlord Insurance, we pride ourselves on offering for your individual needs, with expat landlord insurance being no exception.
We offer a comprehensive policy for expats and overseas landlords for no additional fee.
You can choose the level of cover you need based on your specific requirements and receive support from our expert advisers.
We provide flexible cover that enables you to add properties to an existing policy at any time, giving you one renewal date
We offer 30 days’ full cover between tenancies on our Essential policy and 90 days’ full cover between tenancies on our Premier policy
Our policies include loss of rent or alternative accommodation
(30% buildings sum on Premier, 20% of buildings sum on Essential)
Our Premier policy covers malicious damage by tenants and their guests up to £25,000
Our Premier policy offers property owners liability with a £5 million limit of indemnity (Essential policy includes a £2 million limit of indemnity)
