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HOME INSURANCEWhen you own a home abroad it's vital to get the right house and contents insurance - whether you use the property as your second home or whether it's let to holidaymakers.
You'll need to think about some special considerations which don't normally apply to your permanent residence in your native country. What if you fly out for your annual holiday only to find the place uninhabitable from recent flooding?
What if you've let the property to tenants but the swimming pool can't be used at the last minute because of a leak? And what happens if (God forbid?) the roof collapses and injures your cleaner or one of your tenants?
No-one likes to think about all these things but unfortunately they can and do happen. And when they happen in a foreign country you want to be sure that you have a water tight insurance policy in place, written in plain English which you can understand.
Your dream home abroad could so easily turn into a nightmare if you don't arrange adequate protection.
The danger of dealing with a foreign insurer is that you may not fully understand the extent and limitations of your policy. Ideally you want an expert to explain to you - in your own language - the appropriate level of cover for your needs.
Insurance for Homes Abroad is a UK-based company specialising in insurance policies for overseas properties. The company will tailor-make a policy, underwritten at Lloyds, geared to your particular needs and circumstances.
Policies are flexible so you only pay for what you actually need. All the paperwork is handled in the UK, including any claims you may need to make.
The company is so confident that you'll be entirely satisfied with your insurance policy that it even offers a money back guarantee. If you're not happy with the policy, simply return it within 15 days and you'll receive a full refund (as long as you haven't made a claim in that time of course!)
Policies cover structural damage to your property and accidental damage to oil, water and gas pipes. Contents are covered on a "new for old" basis and in the event of a burglary you'll be covered for replacement doors, locks, safes and alarm systems.
You'll have an indemnity of £1 million to protect yourself against injury to a third party or damage to a third party's property. You'll also be covered for any legal liability towards your domestic staff.
If your property is suddenly rendered uninhabitable, you'll be covered for loss of rental income and the cost of alternative accommodation.
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