CoveredExpatContents protection in 195 countries. No local address history required.
The gap between living abroad and being covered is wider than your lease agreement.
Most international renters assume their employer's policy covers personal belongings. It doesn't. Corporate coverage stops at the office door.
Source: Global Expat Insurance Survey 2025A single burst pipe in a Berlin Altbau or Singapore serviced apartment replaces everything you rebuilt from two suitcases. Most landlord policies won't touch it.
Source: European Property Claims Database 2024No local credit history. No in-person verification. No translated documents. Just your email, current country, and a card. You're covered before you close the tab.
Median activation time, Jan–Dec 2025Remote workers accumulate laptops, cameras, and professional gear that standard travel insurance caps at €1,500. Your studio in Lisbon holds more than that in your desk drawer.
Source: Expat Financial Exposure Report 2025Country-by-country coverage data, top claim types, and premium benchmarks for 47 expat destinations.
Check your country's coverage profile
Type where you live now. See real premium data, top claim types, and your coverage tier — before we ask for anything.
We'll show you live coverage data, premium ranges, and the top reasons expats in your country file claims.
What's protected, precisely
No vague "personal effects" language. Every coverage category is defined in plain English, in your language, before you sign.
Total contents coverage per policy
The median expat in a furnished Berlin apartment has €22,000 in personal belongings. Our base policy covers more than twice that — with no local underwriting.
Electronics & Remote Work Gear
Laptops, monitors, cameras, and professional equipment up to €15,000. Covers the full desk setup of a remote worker.
Furniture & Furnishings
Everything you brought or bought — from IKEA flat-packs to the vintage desk you shipped from home.
Clothing & Personal Items
Wardrobe, jewellery, and personal effects. Covers theft during transit between apartments.
Water Damage
Burst pipes, flooding from upstairs neighbours, and appliance leaks — the #1 claim type for expats in Berlin and Singapore.
What happens when something goes wrong
Real stories from expats who filed claims. In their words, not ours.
"My upstairs neighbour flooded my Berlin apartment on my third month in Germany. I filed the claim at 11pm on a Sunday. €4,800 landed in my account by Wednesday. No German required."
"Every insurer I tried in Singapore wanted 2 years of local address history. I'd been here 8 weeks on a Dependent Pass. CoveredExpat asked for my email and a postcode. That was it."
"I cycle through contracts in Korea, Japan, and Taiwan every 12–18 months. One policy, all three countries, same coverage. I haven't had to think about this since 2023."
"My employer's relocation package covered the move but had a 90-day gap before local HR insurance kicked in. CoveredExpat bridged it for €52. My laptop got stolen on day 47."
"Living on a D7 in Lisbon, no Portuguese credit history, no local bank. Every rental quote I got locally was either refused or absurdly priced. This was €39 and took less time than making coffee."
"The country lookup showed me that burst pipes are the #1 claim in Amsterdam. Three months later, my bathroom ceiling came down. I was so glad I'd read that page."
You're already abroad.
Are you covered?
€47/month. 90 seconds to activate. No address history. Cancel anytime.