To find the best policy that protects your overseas holiday property, ask yourself:

  • Is your property eligible? Check that your overseas home is eligible for a policy because some insurers do not cover every location and property type.

  • What cover do you need? Think about how much protection your property needs, and what you need to cover.

  • Will you rent out your property? You will need extra insurance if you plan to rent out your overseas property when you are not using it.

You can insure your property overseas with any of the insurers in this comparison. Compare as many quotes as possible to find the right policy for the cheapest price.

Is your property eligible?

The following property types are usually covered:

  • Cottages

  • Chalets

  • Villas

  • Static caravans

Most insurers cover homes in popular European countries, but usually exclude areas that are at risk from natural disasters like earthquakes, e.g. areas of Turkey or Italy.

Check the terms and conditions before you apply to make sure your property and location are covered.

What cover can you get?

You can get similar cover to a standard UK buildings and contents insurance policy, as well as:

  • Travel to your property cover: If there is an emergency at your property, this covers your travel costs to sort it out.

  • Extra contents protection: This covers specific items at your overseas property, like solar panels, hot tubs and golf clubs.

Check the terms and conditions carefully when comparing policies to get the cover you want for your property.

Will you rent out your property?

Renting out your overseas property is a good way to make extra money, but you need to find insurance that includes:

  • Loss of rent or income cover

  • Contents insurance, including accidental damage cover

  • Public liability insurance

  • Employer's liability insurance, if you employ cleaners for example

Some overseas home insurance policies include these as standard, and others let you add them to your policy at an extra cost.

Here is more about the cover you need when renting out your overseas property.

Overseas property insurance FAQs

Q

Can standard home insurance cover my overseas property?

A

No, because standard policies only cover UK homes. Also, most do not cover any properties left empty for more than 30 or 60 days.

Q

What countries are covered by overseas home insurance?

A

Overseas property insurers cover most major European countries like France and Spain. This comparison includes some of the areas each insurer covers.

Q

What types of property can I cover abroad?

A

Most holiday home policies can cover villas, chalets, apartments and static caravans in the UK or overseas.

Q

Is it more expensive to insure a property abroad?

A

It can be, because your overseas home is at risk if you leave it empty for long periods. Here is how to cut your home insurance costs.

About our home insurance comparison

Q

Who do we include in this comparison?

A

We include overseas property insurance available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.