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You can choose from many different types of cover, including:
- Building insurance
- Loss of rent
- Liability claims
- Legal expenses
- Unoccupied property insurance
There are some key benefits to getting cover online. These include:
- No pressure quotes
- Easily compare different policies
- Flexible payment methods
- Instant cover and documentation
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Expats Landlord Insurance Explained
A good insurance policy and managing agent mean you can easily still let our property in the UK even when you’re not in the country
If you live overseas but have property in the UK you’d like to let out, then this might seem like an impossibility. However if you hire somebody to manage your property for you and get a good expats landlord insurance policy, there’s no reason you can profit from your investment.
Below is a full guide to expats landlord insurance, including the different types of cover you can get, frequently asked questions and some ways to save money.
Expats landlord insurance cover options
Below are the main types of cover you can get with an expats landlord insurance policy –
- Building insurance – Building insurance is a key part of any landlord insurance policy. It will ensure that your building itself is covered for structural damage, whether it occurs from fire, flood, storm damage, a fallen tree etc.
- Contents cover – Contents cover will ensure that you’re covered for any damage or theft to your contents. This type of insurance is definitely worth considering when you let out furnished property.
- Loss of rent – If you or your property manager were unable to collect rent from a tenant, then this type of cover would make sure you were compensated until the situation could be resolved.
- Liability claims – Liability claims are always a risk for landlords, even when you’re living overseas. In addition to getting cover for liability claims, you can also have legal expenses included in your policy.
- Unoccupied property insurance – If you have any property that is unoccupied, then you can get it covered with unoccupied property insurance.
Getting a lot of quotes is one of the best ways you can save money.
Expats landlord insurance FAQ
How do I manage tenants when I’m not in the country?
Most landlords who let property in the UK when they’re living overseas will hire a managing agent to deal with tenants and the other day-to-day aspects of letting property.
Of course a good insurance policy is also a must.
What type of let arrangements are there?
- Asylum Seekers
- Employed / Professionals
- Housing Association
- Local Authority
- Multi-Let / Mixed /HMO
- Second Home
- Unemployed / DSS
How much will cover cost?
The price of expats landlord insurance varies quite a bit. Some of the main factors that affect price are –
- The number properties being insured
- Where the properties are located
- How secure the property is
- The level of cover
Are there are steps I can take to reduce risk?
Risks that could lead to claims is something that every landlord worries about.
There are steps you can take to reduce risk however. Such as –
- Make sure you or your managing agent vets any potential tenants thoroughly
- Make your properties as secure as possible
- Get an insurance policy that covers you for all major risks
How can I pay for my policy?
Most insurance providers will give you the option to either pay upfront or monthly via direct debit.
How to save money on expats landlord insurance
Some good ways to save money on expats landlord insurance are –
- Increase excess – Excess is the amount you’d pay in the event of a claim. You can increase the excess on your policy to reduce the premium and this is in fact a very common way to keep costs down. There is some risk to this however, since in the event of larger claims, such as those for structural damage, you could end up having to pay a significant amount yourself. A lot of landlords like to increase excess on claims that are typically smaller and less risky, such as contents cover.
- Secure your property – Any steps you can take to make your property secure, such as installing CCTV or security lighting, will help to reduce what your pay for insurance too.
- Get a lot of quotes – Getting quotes from different insurance providers is very easy to do now and is one of the best ways to save money on expats landlord insurance.
- Pay in full – If you pay in full for your policy, rather than monthly, then most insurance providers will offer you a good discount for doing this.
Getting expats landlord insurance quotes is easy
If you’re looking for expats landlord insurance quotes, then you’re in the right place. Simply click the green button below to get your quotes now.