For many years, Ashburnham Insurance has supported landlords across the UK with tailored cover for their rental properties. Back in 2021, however, we had to make the difficult decision to stop offering landlord insurance for overseas landlords due to regulatory requirements.
We know this was disappointing for many of our clients who own rental property in the UK but live elsewhere. The good news is that, after consulting closely with regulators and compliance experts, we’ve been given the green light to provide this type of cover once again. From now on, overseas landlords can take out landlord insurance with us, provided that the property being insured has a UK postcode.
Why Overseas Landlords Need Specialist Cover
Owning a rental property in the UK while living abroad brings its own unique challenges. You may not always be on hand to address issues directly, which makes reliable insurance even more crucial. Landlord insurance is designed to protect you against risks such as damage to the building following fire, flood, storm, or vandalism. It can also cover loss of rental income if the property becomes uninhabitable, legal expenses if disputes with tenants arise, and public liability if a tenant or visitor suffers an injury and makes a claim.
Standard home insurance policies often exclude rented properties, leaving overseas landlords exposed to risks they may not have considered. With specialist landlord insurance, you can safeguard both the property itself and the income it generates, providing peace of mind that your investment remains secure even when you are many miles away.
Who Qualifies as an Overseas Landlord?
The term “overseas landlord” generally applies to anyone who owns rental property in the UK but lives abroad for more than six months of the year. This includes British expats who have relocated for work or lifestyle reasons while keeping a property in the UK, citizens on long-term overseas contracts who rent out their homes during their absence, and individuals who have permanently settled outside the UK but continue to own property here.
The key factor is that the property you want to insure must have a UK postcode. If it does, Ashburnham Insurance is now once again able to provide you with the cover you need.
Why Choose Ashburnham for Overseas Landlord Insurance?
At Ashburnham, we recognise that overseas landlords face unique challenges compared to those based in the UK. Distance makes communication and trust especially important, and we know how vital it is for you to have confidence in your insurance arrangements. Our experienced team can help you arrange the right level of cover, explain policy details in plain English, and make sure you’re not paying for unnecessary extras.
We work with leading UK insurers to offer flexible policies that can be tailored to your property and tenant type. Pricing is competitive and transparent, and our team draws on years of experience in landlord insurance to guide you through the process from start to finish. Most importantly, we take the time to understand your individual circumstances and recommend options that genuinely meet your needs, whether you are renting out a single flat or managing a broader property portfolio.
The Importance of Staying Compliant
For overseas landlords, ensuring that your insurance arrangements are fully compliant with UK regulations is just as important as finding the right level of cover. Being based abroad can sometimes make it harder to keep up with changes in legislation or insurance requirements, which is why working with a specialist broker is so valuable. At Ashburnham Insurance, we keep up to date with industry and regulatory developments on your behalf, so you can rest assured that your policy is not only fit for purpose but also meets the necessary legal standards. This proactive approach helps you avoid unexpected issues further down the line and ensures that your rental business runs smoothly, even when managed from overseas.
Protecting Your Investment from Afar
Being an overseas landlord doesn’t mean you should feel disconnected from your rental property. With the right insurance in place, you can be confident that you’re covered against the risks that matter most, no matter where in the world you live.
At Ashburnham Insurance, we’re delighted to once again offer landlord insurance for overseas landlords. This change means that property owners abroad can now benefit from the same expert service, comprehensive protection, and peace of mind that our UK-based landlord clients already enjoy.