Overseas and Non Resident Landlord Insurance

How does overseas and non-resident landlord insurance work?

If you need overseas and non-resident landlord insurance – it’s straightforward to arrange! There’s a specific type of landlord insurance designed for people living abroad such as expats. It works just like standard landlord insurance, covering all the essential elements. You’ll need to maintain your property’s safety and liveability (as any landlord would), and your insurance will protect you if issues arise. For more details about property requirements, see our guide to buildings and contents insurance. What’s great is that you can manage your UK rental property while living anywhere in the world. It’s that simple!

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Cover Options

Some of the cover available includes:

Buildings insurance

Building insurance will cover your property for structural damage that occurs from things like fire, flooding, storms and falling trees. It is a legal requirement to have building insurance when you let property. Learn more about flood insurance cover for your property

Contents cover

If the property you let is furnished, then it’s worth considering having contents cover included in your policy. This means if your property is damaged or stolen, you’ll be compensated.

Unoccupied property insurance

It might be the case that you have property in the UK that’s unoccupied for a long term, such as a newly purchased or renovated property. Learn more about unoccupied property insurance to ensure you’re covered for the associated risks.

Landlord liability

Liability claims are always a risk for landlords, so getting this type of cover included in your policy is highly recommended. For more information about your obligations, see our guide to landlord rights and responsibilities.

Loss of rent

Loss of rent is another risk that a lot of landlords worry about. If you were unable to collect rent form a tenant for whatever reason, this type of cover would ensure you were compensated until you could resolve the issue with the tenant or have them evicted.

What the experts say…

"As an overseas landlord, it can be more difficult to manage your property and deal with any issues that arise. Having landlord insurance in place can help to mitigate some of the risks and provide you with the support you need in the event of a claim."
For more guidance, see our quick-start guide to the Non-Resident Landlord Scheme If you're planning to sell your UK property while living abroad, you may also want to review our guide on capital gains tax considerations for expats].

– Ian Beevis, Founder of Clean Green Compare

Additional cover for landlords

You can usually add these as optional extras with most Overseas and Non Resident Landlord Insurancee providers. Whether you’re letting a commercial property, managing student accommodation, or renting to DSS tenants, we can help find appropriate cover.

Legal expenses

Cover for solicitors’ fees and court costs for tenant disputes, possession proceedings and contract breaches. Usually includes legal helpline.

Accidental damage by tenants

Cover for unintentional damage from spillages, broken fixtures, or DIY mishaps by tenants and visitors.

Malicious damage by tenants

Covers intentional vandalism or destruction by tenants.

Public liability cover

Protects against injury or property damage claims from visitors. Cover usually £2-5 million.

Boiler repair/breakdown

Repairs or replacement of central heating system, including emergency call-outs.

Rent arrears

Compensates for tenant defaulted rent payments after a specified period, usually1-2 months.

General Exclusions

The following are usually excluded from most policies but please check with your insurance provider.

Wear and Tear

Damage from normal use over time

Vacant Property

Damage occurring when property is empty over 30 days

Pest Damage

Any destruction caused by vermin or insects

Renovation Limits

Coverage may be void during major renovation works unless declared

Accidental Damage

Not automatically included in basic policies

Rent Protection

Basic policies don’t cover unpaid rent from tenants

Contents Cover

Tenant belongings and normal furniture wear aren’t included

Maintenance

Regular upkeep and routine repairs aren’t covered

Value Limits

High-value items may need special coverage

Ready to get covered?

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Ways to Reduce Your Overseas and Non Resident Landlord Insurance Insurance Costs

The cost of your premium may vary based on the level of cover you select, the type of property you’re renting out together with your tenants’ circumstances. Here are some steps you can take to save money on your landlord insurance.

1

Maintain your property

Regular maintenance and prompt repairs can prevent larger issues and reduce the likelihood of claims. Schedule routine property inspections to catch issues early.

2

Choose tenants carefully

Your premium can vary based on tenant type. Professional tenants typically attract lower rates than student lets or multiple occupancy tenancies.

3

Check existing buildings cover

For flats, verify whether the freeholder’s buildings insurance is already in place before purchasing separate cover.

4

Enhance security measures

Boost your property’s security to lower premiums. Consider installing:
• Burglar alarms
• Security lighting
• Access control systems

5

Regular inspections

Conduct thorough property checks to identify and address maintenance issues before they escalate into serious problems.

6

Pay annually

Most insurers offer substantial discounts for annual payments rather than monthly instalments.

7

Compare multiple quotes

Shop around and compare policies from various providers to find the best balance of cover and cost.

Get overseas and non-resident landlord insurance quotes easily

You can get overseas and non-resident landlord insurance quotes from specialist providers now by filing in the simple quote form. Just click the green button and once you’ve provided the required information, you can look through your quotes and choose the best one for your needs.

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