SmartCover Guide

Do Expats Need Life Insurance? (2025 Global Guide) Living abroad brings adventure, freedom — and financial uncertainty. For many expats, life insurance isn’t just smart, it’s essential. 🌍 Why Expats Might Need Life Insurance 💼 You have dependents back home 🧾 You hold international property or debts 👶 You’re starting a family abroad 👴 You want to leave a legacy or cover end-of-life costs ✈️ You move between countries frequently Even if you’re young and healthy, protecting loved ones financially is a smart move. 🧩 Types of Life Insurance for Expats Type Ideal For Pros Cons Term Life Temporary coverage (10–30 yrs) Affordable, flexible Expires, no savings Whole Life Long-term planning Lifetime cover, cash value More expensive International Life Frequent movers Global portability, multi-currency Limited provider options 🧭 What to Look For ✅ Global claims support ✅ Multi-currency option...

How Car Insurance Works for Expats in the U.S. (2025 Guide) If you're an expat planning to drive in the United States in 2025, understanding auto insurance is more than a legal formality — it’s financial protection. 🚗 Do Expats Need Car Insurance? Yes — every driver in the U.S. must carry at least minimum liability insurance , regardless of citizenship status. Renting a car → insurance is usually bundled or optional Buying a car → you'll need to get your own policy 📋 Minimum Requirements (Vary by State) State Minimum Liability (Bodily Injury / Property Damage) California $15,000 / $30,000 / $5,000 New York $25,000 / $50,000 / $10,000 Florida $10,000 / $20,000 / $10,000 Texas $30,000 / $60,000 / $25,000 Each state has its own minimum — but buying more is often smarter. 🧾 What Documents Do Expats Need? Valid international or U.S. driver’s license Proof of address (hotel, lease, host) Passport...