Frequent travel is commonplace in today's global society, whether it's for business or pleasure. You may be surprised to learn that your home insurance provides worldwide protection for many of the things that you wouldn't expect it to cover.
You may have an international trip planned. Or you're a snowbird, heading to Arizona for the winter. Your favorite golf clubs, clothing and accessories, and laptop are going with you, and these carry considerable value. If something happens to them while you're travelling, will your home insurance cover them? Baggage coverage doesn't come cheaply, so refer to your home insurance policy first to see if your luggage is covered before paying extra money in this area, as it can make travel insurance more costly as well. The result could be a savings to you, and it will likely also cover these items while you're in your home country as well.
When personal possessions are removed temporarily from the home, most home insurance policies still provide protection for these items. Liability coverage for personal actions worldwide is usually covered by home insurance policies, which protects you if you cause someone injury or damage their property.
Which situations below would be covered by your home insurance:
You're enjoying a spectacular view from a stone bridge in Scotland, and your camera slips out of your hands and falls in the river. Would this be covered? For those who have purchased comprehensive home insurance, the camera will be replaced no matter where it is lost, after you pay the required deductible.
If you are careless when carrying your surfboard on your Hawaii trip, you could cause another person on the beach a serious injury. Insured or not? Liability insurance, included in your home insurance policy, will cover you if you're sued as a result of unintentionally injuring another person, anywhere in the world!
You just finished golfing the game of your life. And are having a celebratory drink in the clubhouse. As you're leaving, you notice that your golf clubs have been stolen. Insured or not insured? Your personal property is covered anywhere in the world, so your policy should definitely respond. There are limits for certain types of property such as sports equipment, so stolen or lost golf clubs may not be fully protected. Be sure to ask your insurance provider to increase your insurance coverage in case of an event like this.
Your family is enjoying a California coast trip in your recreational vehicle. While you're out walking on the dunes, someone breaks into your RV and steals your laptop and rips the flat screen tv off the RV wall. Are these items insured or not? Your laptop should be covered by your home insurance policy, as it is an item "temporarily removed" from your principal residence. If your TV was attached to the RV itself, it will fall under your RV's insurance policy.
Having knowledge that your home insurance policy offers you protection as you vacation provides you some peace of mind.
You may have an international trip planned. Or you're a snowbird, heading to Arizona for the winter. Your favorite golf clubs, clothing and accessories, and laptop are going with you, and these carry considerable value. If something happens to them while you're travelling, will your home insurance cover them? Baggage coverage doesn't come cheaply, so refer to your home insurance policy first to see if your luggage is covered before paying extra money in this area, as it can make travel insurance more costly as well. The result could be a savings to you, and it will likely also cover these items while you're in your home country as well.
When personal possessions are removed temporarily from the home, most home insurance policies still provide protection for these items. Liability coverage for personal actions worldwide is usually covered by home insurance policies, which protects you if you cause someone injury or damage their property.
Which situations below would be covered by your home insurance:
You're enjoying a spectacular view from a stone bridge in Scotland, and your camera slips out of your hands and falls in the river. Would this be covered? For those who have purchased comprehensive home insurance, the camera will be replaced no matter where it is lost, after you pay the required deductible.
If you are careless when carrying your surfboard on your Hawaii trip, you could cause another person on the beach a serious injury. Insured or not? Liability insurance, included in your home insurance policy, will cover you if you're sued as a result of unintentionally injuring another person, anywhere in the world!
You just finished golfing the game of your life. And are having a celebratory drink in the clubhouse. As you're leaving, you notice that your golf clubs have been stolen. Insured or not insured? Your personal property is covered anywhere in the world, so your policy should definitely respond. There are limits for certain types of property such as sports equipment, so stolen or lost golf clubs may not be fully protected. Be sure to ask your insurance provider to increase your insurance coverage in case of an event like this.
Your family is enjoying a California coast trip in your recreational vehicle. While you're out walking on the dunes, someone breaks into your RV and steals your laptop and rips the flat screen tv off the RV wall. Are these items insured or not? Your laptop should be covered by your home insurance policy, as it is an item "temporarily removed" from your principal residence. If your TV was attached to the RV itself, it will fall under your RV's insurance policy.
Having knowledge that your home insurance policy offers you protection as you vacation provides you some peace of mind.
About the Author:
To learn more and to receive great savings, we invite you to visit this blog: and if you're looking for a quick video summary, click here.
Frequent travel is commonplace in today's global society, whether it's for business or pleasure. You may be surprised to learn that your home insurance provides worldwide protection for many of the things that you wouldn't expect it to cover.
You may have an international trip planned. Or you're a snowbird, heading to Arizona for the winter. Your favorite golf clubs, clothing and accessories, and laptop are going with you, and these carry considerable value. If something happens to them while you're travelling, will your home insurance cover them? Baggage coverage doesn't come cheaply, so refer to your home insurance policy first to see if your luggage is covered before paying extra money in this area, as it can make travel insurance more costly as well. The result could be a savings to you, and it will likely also cover these items while you're in your home country as well.
When personal possessions are removed temporarily from the home, most home insurance policies still provide protection for these items. Liability coverage for personal actions worldwide is usually covered by home insurance policies, which protects you if you cause someone injury or damage their property.
Which situations below would be covered by your home insurance:
You're enjoying a spectacular view from a stone bridge in Scotland, and your camera slips out of your hands and falls in the river. Would this be covered? For those who have purchased comprehensive home insurance, the camera will be replaced no matter where it is lost, after you pay the required deductible.
If you are careless when carrying your surfboard on your Hawaii trip, you could cause another person on the beach a serious injury. Insured or not? Liability insurance, included in your home insurance policy, will cover you if you're sued as a result of unintentionally injuring another person, anywhere in the world!
You just finished golfing the game of your life. And are having a celebratory drink in the clubhouse. As you're leaving, you notice that your golf clubs have been stolen. Insured or not insured? Your personal property is covered anywhere in the world, so your policy should definitely respond. There are limits for certain types of property such as sports equipment, so stolen or lost golf clubs may not be fully protected. Be sure to ask your insurance provider to increase your insurance coverage in case of an event like this.
Your family is enjoying a California coast trip in your recreational vehicle. While you're out walking on the dunes, someone breaks into your RV and steals your laptop and rips the flat screen tv off the RV wall. Are these items insured or not? Your laptop should be covered by your home insurance policy, as it is an item "temporarily removed" from your principal residence. If your TV was attached to the RV itself, it will fall under your RV's insurance policy.
Having knowledge that your home insurance policy offers you protection as you vacation provides you some peace of mind.
You may have an international trip planned. Or you're a snowbird, heading to Arizona for the winter. Your favorite golf clubs, clothing and accessories, and laptop are going with you, and these carry considerable value. If something happens to them while you're travelling, will your home insurance cover them? Baggage coverage doesn't come cheaply, so refer to your home insurance policy first to see if your luggage is covered before paying extra money in this area, as it can make travel insurance more costly as well. The result could be a savings to you, and it will likely also cover these items while you're in your home country as well.
When personal possessions are removed temporarily from the home, most home insurance policies still provide protection for these items. Liability coverage for personal actions worldwide is usually covered by home insurance policies, which protects you if you cause someone injury or damage their property.
Which situations below would be covered by your home insurance:
You're enjoying a spectacular view from a stone bridge in Scotland, and your camera slips out of your hands and falls in the river. Would this be covered? For those who have purchased comprehensive home insurance, the camera will be replaced no matter where it is lost, after you pay the required deductible.
If you are careless when carrying your surfboard on your Hawaii trip, you could cause another person on the beach a serious injury. Insured or not? Liability insurance, included in your home insurance policy, will cover you if you're sued as a result of unintentionally injuring another person, anywhere in the world!
You just finished golfing the game of your life. And are having a celebratory drink in the clubhouse. As you're leaving, you notice that your golf clubs have been stolen. Insured or not insured? Your personal property is covered anywhere in the world, so your policy should definitely respond. There are limits for certain types of property such as sports equipment, so stolen or lost golf clubs may not be fully protected. Be sure to ask your insurance provider to increase your insurance coverage in case of an event like this.
Your family is enjoying a California coast trip in your recreational vehicle. While you're out walking on the dunes, someone breaks into your RV and steals your laptop and rips the flat screen tv off the RV wall. Are these items insured or not? Your laptop should be covered by your home insurance policy, as it is an item "temporarily removed" from your principal residence. If your TV was attached to the RV itself, it will fall under your RV's insurance policy.
Having knowledge that your home insurance policy offers you protection as you vacation provides you some peace of mind.
About the Author:
To learn more and to receive great savings, we invite you to visit this blog: and if you're looking for a quick video summary, click here.
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