Overseas Property Insurance

Get great value for money Overseas Property Insurance today with InsuraHome!

Quote Policy Wording
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Overseas Property Insurance

Overseas Property Insurance

If you own a holiday home or second home in Europe, you may want to think about to getting some financial protection in case the unexpected happens to your property. To do this you will probably need specialist overseas property Insurance. To protect your overseas holiday home, as a normal home insurance policy is unlikely to be suitable for this requirement.

InsuraHome Overseas Property Insurance has been specifically designed for individuals living in the United Kingdom who own a second property or holiday property in Europe. Specifically, France, Spain, Italy, Portugal and The Republic of Ireland. 

Click Here to Request a Quote >>>

Or speak to an InsuraHome Overseas Property Insurance specialist by calling +44 (0) 1483 806 815

What is Overseas Property Insurance?

An overseas property presents unique risks that are different to those covered under a standard home insurance policy. The properties are often left unattended for extended periods of time or are let out for holiday makers on short term lets and are therefore at greater risk of damage or vandalism during these periods. 

Therefore, a specialist overseas home insurance policy is required to provide protection where a normal home insurance would not. 

Our InsuraHome Overseas Holiday Home Insurance policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, whilst automatically including Legal Expenses cover. With a case-by-case approach, Insurahome Overseas Home Insurance can provide your holiday home or overseas holiday let property with the protection you require. 

Overseas Holiday Home Insurance is Available For:

  • Policy applies to short term holiday lettings or;
  • Properties used for own use, or friends & family.
  • Policy applicable to properties owned by UK residents situated in France, Spain, Italy, Portugal and The Republic of Ireland.

Overseas Holiday Home or Holiday Let Property Provides Cover for A Number of Perils is included, such as damage caused by:

  • Fire, lightning, explosion or earthquake.
  • Storm, flood or weight of snow.
  • Collision by any vehicle or animal.
  • Theft or attempted theft.
  • Falling trees, telegraph poles or lamp-posts.
  • Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
  • And more!

Click Here to Request a Quote >>>

Or speak to an InsuraHome Overseas Property Insurance specialist by calling +44 (0) 1483 806 815

Main Features of Overseas Holiday Home Insurance Cover

Take a look at the main features of InsuraHome Overseas Holiday Home Insurance cover in the tables below. And, if you would like to view the full list of cover available, please refer to the Overseas Property Insurance Policy Wording.

The following limits in the tables are provided automatically unless a higher limit is requested.

Buildings Insurance Summary of Cover – InsuraHome Overseas Property Insurance

Cover Limit (£)
Accidental Damage to Fixtures & Fittings Automatically Included
Loss of Rent/Alternative Accommodation 25% of buildings/24 months
Trace and access Up to £5,000
Replacement Locks Up to £5,000
Theft/attempted theft by guests/tenants Up to £10,000 any one claim

Contents Insurance Summary of Cover – InsuraHome Overseas Property Insurance

Cover Limit (£)
Accidential Damage to Electronic Equipment Automatically Included
Guests & Visitors personal effects Up to £ 1,000 any one claim
Loss of Metered Water or Oil Up to £2,500
Replacement locks Up to £5,000
Domestic freezer cover Up to £500

Legal Expenses Insurance – InsuraHome Overseas Property Insurance

Cover Limit (£)
Legal Expenses Automatically Included

Liability Insurance – InsuraHome Overseas Property Insurance

Cover Limit (£)
Accidents to Domestic Staff £10,000,000
Legal Liability to the Public £5,000,000

Click Here to Request a Quote >>>

Or speak to an InsuraHome Overseas Property Insurance specialist by calling +44 (0) 1483 806 815

Overseas Property Insurance Frequently Asked Questions – FAQs

What Insurance do I need for a holiday let?

As the risks associated with insurance for your own home are different to those associated with renting out your property as a holiday home, you will often need to get specialist Holiday home insurance to cover these specific risks that are not covered under or excluded under a standard home insurance policy.

What insurance do I need for Airbnb?

Airbnb offer their hosts ‘Host Protection Insurance’ up to $1 million per rental to provide hosts with liability coverage and where applicable their landlords subject to certain terms, conditions and limitations. They also provide a free ‘host guarantee’ that covers damage to the host’s home or property caused by guests, up to $1million subject to numerous terms and conditions. This however is not insurance and Airbnb states that it “should not be considered a replacement or stand-in for homeowners or renters’ insurance” – click here to find out more. This also does not mean that it will cover everything and therefore it is always a good idea to get holiday home insurance that covers Airbnb lettings that meet your property requirements to ensure you have the protection you require.

Do I need Public Liability Insurance for a holiday let?

Unlike an employer legally being required to have Employers Liability Insurance, there is no legal requirement for a holiday homeowner to have public liability insurance in the UK. However, if a guest staying in your let property were to sustain an injury from an accident whilst staying in your property you could be left substantially out of pocket from an expensive medical bill. Therefore it is always a good idea to include Public Liability Insurance on your Holiday Home Insurance policy. 

Contact InsuraHome Overseas Property Insurance

If you wish to speak to one of our InsuraHome Overseas Holiday Home Insurance specialists:
Call: +44 (0) 1483 806 815
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here

How do I get an InsuraHome Overseas House Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require. 

To get an InsuraHome Overseas House Insurance quote, click any of the ‘request a quote’ buttons on this page and fill out our short online application form.

Click Here to Request a Quote >>>

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Overseas Property Insurance specialists on 01483 806 815.

Why Choose InsuraHome Insurance

InsuraHome features a range of great benefits as standard. InsuraHome also features some great add-ons for you to tailor your policy and so you only pay for the additional cover you need.

  • Loss or Damage caused by Fire, Smoke, Explosion, Lightning or Earthquake
  • Loss or Damage caused by Storm, Hail or Weight of Snow
  • Loss or Damage caused by Flood
  • Loss or Damage caused by the escape of water
  • Cover for Theft or Attempted Theft
  • Facility to transfer any no claims history from a previous insurer
  • A choice of policy excess – £100, £250, £500 or £1,000
  • Covers the cost of alternative accommodation if your property is left uninhabitable due to an insured event
  • Cover in case of Subsidence, Heave or Landslip is available
  • Accidental Damage cover is available
  • Online Policy Documentation
  • We don't store credit card details
  • + Lots more
More InsuraHome Details

Here at InsuraHome, we aim to provide cover when other Home Insurers say no!

What's more, we can provide Home Insurance for Home's that do not fall into the criteria to be termed a 'Standard Household'. So whether it's a Holiday Home in Europe, a property that has a non-standard construction type, or you have challenging personal circumstances, we can offer policies to you.

We review each and every application on a personal, case by case basis, customising your specialist Home Insurance to meet your individual needs! Our highly trained Home Insurance specialists will provide you with a fast, friendly, and professional service at competitive pricing.

Please Note - When purchasing Home Insurance you will be required to provide the rebuild cost of your home to the insurers. If you are unsure of your rebuild cost, please either request a rebuild cost assessment from a chartered surveyor or use the Rebuild Cost Calculator below

Rebuild Cost Calculator

House Rebuild Costs

When taking out Home Insurance, you are insuring your house for the cost of rebuilding it to the same standard as it is now, you are not insuring it for its value on the open market. When quoting you for a Home Insurance policy we will ask you for the rebuild cost of your home.

If you are not sure how much it would cost to rebuild your home then you can either have a rebuild cost assessment carried out by a Chartered Surveyor (which some insurers prefer) or you can use the house rebuild cost calculator below.

Rebuild Cost Calculator