This section discusses the international personal insurance needs of foreign nationals coming to live and work in the United States for 1 year or more, and how to meet insurance objectives regarding property, liability, auto and other concerns for those working in the U.S. on work visa.

What Overseas Property and Liability Solutions are Available to Foreign Nationals in the United States?

Foreign nationals living in the United States will need to find an insurance company that will not require that the applicant has a U.S. Social Security Number or that the applicant be a U.S. citizen. Fortunately, International Property Insurance Group can be of assistance in most states with renters insurance which is a personal property and liability package. Using the correct insurance carriers which will vary by State, this coverage is quite affordable and easy to set up.

Regarding Auto Insurance for Foreign Nationals Living In the United States

If you can drive legally in the U.S. using an international drivers license, a big mistake is to think your home country insurance company will protect you if there is a property or liability claim while driving in the United States. Coverage granted to you from a foreign insurer will end very quickly in most cases, when the insurer learns you have now relocated and are living in the United States on a somewhat permanent basis. Many people have assumed they are still covered, only to find out the claim in the U.S. is being denied by the foreign insurance company.

If you plan to drive in the U.S., please get a State drivers license as soon as you can, and seek insurance with an auto insurance company that is admitted in the State in which you receive you drivers license.

International Personal Effects insurance with liability is easier to secure in the United States than auto insurance. Because auto insurance companies cannot access your driving record, rates are often very high for at least one year until you prove to the insurance company you are a standard risk.