Expat Home Insurance

Tailor your expat home insurance cover to suit your lifestyle
24/7 expat home insurance claims service

Cover in more than 20 countries
Over 20 years of holiday home expertise
24hr emergency claims helpline
Cover for unoccupied properties included

What Is Expat Home Insurance?

Moving or living abroad is an exciting prospect, especially if it means more stress-free days in the sun. But it isn’t without risk, so you may want an insurance policy that mitigates potential issues for your home.

That’s where Intasure can help. We have over 20 years of experience dealing with property insurance policies in overseas markets. We provide expat insurance policies that can help protect UK nationals and EU passport holders while owning property abroad.

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Our Partners

Intasure works with an established partner to provide flexible insurance options.

Where In The World Can I Get Expat Insurance?

Our expat property insurance is available in more than 20 countries and territories across Europe and beyond, including:

View a list of countries we cover

Austria Bulgaria Cape Verde Croatia Cyprus Egypt France Germany Greece Hungary Italy Malta Netherlands Poland Portugal Republic of Ireland Spain Turkey Scotland

Exemptions and restrictions

While Intasure offers expat home insurance across Europe and further afield, certain countries are excluded. Here are a few other things to keep in mind:

The Italian Government requires a Codice fiscale (NI number equivalent) to secure house insurance.
For Portuguese properties, the insurers require a TIN/TAX number (NI number equivalent) to secure house insurance.

What Our Customers Say About Us

Excellent

Based on 148 reviews

What Does Expat Home Insurance Cover?

Our expat property insurance policy can cover buildings and contents, alongside public liability protection and alternative accommodation cover.

These are brief product descriptions only. Please refer to the policy documentation, paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Buildings and contents insurance

Our standard home insurance for expats can protect against damage or loss to your home abroad, including its contents. The policy also extends to any outbuildings.

Expat home insurance covers as standard:

Loss or damage

caused by natural disasters, including fires, storms, and floods
Escape of water or oil

from fixed heating or domestic water installation, such as washing machines and dishwashers
Accidental damage

to household goods such as fixed glass tops on furnishings and sanitary fixtures
Theft or damage

of belongings within your house
Public liability cover

Our policy comes with £5 million public liability protection, which can help protect you against personal injury or damage to property claims.
Alternative accommodation cover

If you can’t live in your home after an insured claim, our expat property insurance includes temporary accommodation cover.

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Why Choose Intasure’s Expat Insurance?

Intasure has more than 20 years of experience specialising in holiday home insurance for expats. Our customer service team will do their utmost to help you find suitable cover.

Here are some more reasons to choose Intasure for expat property insurance:

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Benefits of using Intasure for your holiday home insurance:

Buildings insurance

Up to £1 million buildings cover available
Public liability cover

Up to £5 million included as standard
Property cover

Cover is available for both long-term and short-term lets
Emergency travel

Travel costs for insured claims
60 days cover

Cover whether the property is occupied or not, for up to 60 days
Alternative accommodation costs

Alternative accommodation costs for insured claims
Tailored extras

You can tailor your insurance with optional covers
Loss of rent

Loss of rent cover following an insured claim

Need Help?

Call us on 0345 111 0680

Mon to Fri, 9am - 6pm

Email admin@intasure.com

What do you need to get an expat insurance quote?

Getting an expat property insurance quote is easy. We’ll just need a few details from you, including:

Your full name
The level of cover you need
A few personal details, such as your occupation and the type of property you need to insure

Policy Documents

View our policy documents to discover the cover Intasure can provide.

View and Download

Expat Home Insurance FAQ

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.

How much does expat property insurance cost?
Your expat property insurance premium will depend on several factors, including:
- The type of policy: premiums differ across expat home insurance, expat holiday home insurance, expat caravan insurance and expat landlord insurance
- Location: for example, areas near rivers, seas or other bodies of water, could result in higher premiums
- The size of your property: larger properties tend to attract higher premiums
- The contents within your property: storing high-value contents in your property can result in greater insurance costs
Is expat property insurance a legal requirement?

No, expat property insurance isn’t mandatory. However, if you want to ensure the protection of your home and contents, it may be worth considering.
Why should you consider getting expat property insurance?
While it’s not a legal requirement, expat home insurance is a sensible consideration. After all, being away means you can’t always keep an eye on your home, and regular home insurance might not cover certain situations that come with being an expat.

Here’s why it’s worth considering:
- Unoccupied property cover: Many standard policies don’t cover homes left empty for long periods. Expat property insurance ensures your home is protected, even when it’s unoccupied.
- Protection against risks: Your property is protected against unexpected issues like flooding, storm damage, and fire. These events can happen without warning, and having the right cover can save you from costly repairs.
- Contents protection: Whether you’ve left furniture and belongings in the property or need cover for items while relocating, expat property insurance can include contents cover for extra peace of mind.