Do Not Rely on State Farm if Living Abroad

If keeping a house back in the home country while working or living abroad, never assume that the home country homeowners insurance policy will provide any protection at all for international property insurance and international liability insurance.  In fact, if the home is empty or vacant for more than 60 days do not assume the traditional homeowners insurance company will cover a vacant home either.

We have seen people take expatriate assignments abroad and take over $50,000 of international personal property including $5,000 wedding rings, and assume companies like State Farm or Allstate are still providing the coverage even though they are living in Russia or Germany!  This is almost never the case if one has taken up residence abroad.

Yes, if you are traveling internationally on vacation for example, homeowners policies can offer some degree of protection but not if you are living abroad for say.. six months or longer.  In all cases these people need expatriate property insurance (a form of international property insurance) as well as international liability insurance.  In many cases they will need expatriate vacant home insurance coverage as well.