Relocating abroad as an expat in 2026 comes with many exciting opportunities, but it also requires careful planning, especially when it comes to protecting your assets. One of the most crucial steps is securing comprehensive home and auto insurance. Bundling these two types of insurance not only simplifies management but also offers cost savings and peace of mind. In this guide, we explore the best home and auto insurance bundles tailored for expats, how to choose the right coverage, and the benefits of combining policies.
Why Expats Should Consider Bundled Home and Auto Insurance
For expats, obtaining separate home and auto insurance can be complicated due to unfamiliar local regulations, credit history requirements, and differences in property or vehicle valuation. Bundled insurance policies solve these challenges by combining coverage for your residence and vehicle under one plan. This approach often leads to:
- Lower premiums compared to purchasing separate policies
- Simplified claims processing through a single provider
- Comprehensive protection tailored to expatriate needs
- Added benefits such as roadside assistance and liability coverage
By choosing a bundled package, expats can focus on settling into their new home and country without worrying about gaps in coverage or navigating multiple insurance providers.
Top Home and Auto Insurance Providers for Expats in 2025
Several insurance companies specialize in packages that cater to expatriates. The best providers combine global expertise with local compliance, ensuring your assets are protected regardless of your relocation country. Some of the top options include:
Allianz Global Assistance
Allianz offers comprehensive home and auto insurance bundles designed for expats. Their packages typically include coverage for:
- Property damage and theft
- Liability for accidents at home or on the road
- Collision and comprehensive auto coverage
- Emergency services, including roadside assistance
Allianz’s international support team makes it easy for expats to file claims remotely, which is essential for those settling in unfamiliar locations.
AXA Expat Insurance
AXA provides customizable insurance bundles for expats, allowing you to adjust your coverage according to your home type, vehicle value, and relocation status. Key benefits include:
- Flexible coverage limits for property and vehicles
- Protection against natural disasters or local hazards
- Liability and medical coverage for drivers and guests
- Optional rental property protection for temporary housing
Clements International
Clements International specializes in expatriate insurance solutions, offering both homeowners and auto coverage as part of a single bundle. Their policies include:
- Worldwide vehicle coverage
- Replacement cost coverage for household items
- Legal support for insurance disputes abroad
- 24/7 multilingual customer service
Key Features to Look for in Home and Auto Insurance Bundles
When evaluating home and auto insurance bundles, expats should consider multiple factors to ensure their coverage is sufficient and cost-effective.
Comprehensive Home Coverage
Your home insurance should cover:
- Structural damage from fire, theft, or natural disasters
- Personal property protection for furniture, electronics, and valuables
- Liability coverage for accidents occurring on your property
- Optional add-ons for rental properties or high-value items
Complete Auto Protection
Auto insurance should include:
- Liability coverage to meet local legal requirements
- Collision and comprehensive coverage for accidents and theft
- Roadside assistance and emergency services
- Medical payments coverage for passengers and pedestrians
Cost and Savings
Bundling home and auto insurance often results in discounts compared to purchasing separate policies. Expats should request quotes from multiple providers and compare:
- Premium costs and deductible options
- Coverage limits for both home and auto
- Policy exclusions that may affect claims
Flexibility and Customization
Some providers allow expats to tailor their bundles according to specific needs. For instance:
- Adjusting coverage for temporary housing or rental apartments
- Increasing collision coverage for high-value vehicles
- Adding natural disaster protection if relocating to a high-risk area
Customer Support and Claims Handling
Reliable support is critical for expats who may not be familiar with local insurance practices. Look for:
- 24/7 customer service with multilingual assistance
- Online claims filing for convenience
- Fast processing and direct communication with local service providers
Legal Considerations for Expats
Every country has different requirements for home and auto insurance. Expats must ensure compliance with local laws, such as:
- Minimum liability coverage for vehicles
- Mandatory property insurance if financing your home
- Special coverage for high-risk areas prone to natural disasters
Working with an international insurance provider can help you navigate these legal requirements and avoid fines or uncovered losses.
How to Choose the Right Home and Auto Insurance Bundle
Choosing the best home and auto insurance bundle requires careful planning and research. Follow these steps to make an informed decision:
- Assess Your Needs – Evaluate the value of your home, belongings, and vehicle to determine the coverage limits required.
- Compare Providers – Get quotes from multiple providers specializing in expat insurance and compare features, premiums, and benefits.
- Check Customization Options – Ensure the provider allows flexible coverage adjustments to suit your relocation situation.
- Review Legal Requirements – Confirm that the policy meets local insurance laws in your destination country.
- Evaluate Support Services – Choose a provider with reliable 24/7 customer support and international claims handling.
Benefits of Bundling Home and Auto Insurance for Expats
Bundling your home and auto insurance provides numerous advantages:
- Cost Savings: Discounts are often available when combining home and auto policies.
- Simplified Management: One provider, one bill, and coordinated claims handling.
- Enhanced Coverage: Bundled packages often include additional perks such as liability protection and emergency services.
- Peace of Mind: Knowing that both your home and vehicle are covered allows you to focus on your relocation and settle into your new environment.
Conclusion
For expats relocating in 2025, selecting the right home and auto insurance bundle is a critical step in ensuring both financial security and peace of mind. Providers like Allianz, AXA, and Clements International offer comprehensive packages designed specifically for expatriates, combining convenience, affordability, and extensive coverage. By carefully assessing your needs, comparing providers, and choosing a customizable plan, you can protect your home and vehicle while enjoying the benefits of a bundled insurance solution. Investing in the right insurance bundle not only safeguards your assets but also makes your transition abroad smoother and stress-free.