The world seems to be getting smaller through globalization, and people are travelling on business or for personal reasons more and more. A lot of people are not aware that they can be protected around the world, in a wide variety of ways, by their home insurance policy.
So you're going on vacation. 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? Travel insurance costs can go up when someone pays for baggage cover, so look into whether your home insurance policy will cover you before choosing that option. This can be a cheaper option, and may also provide cover if, say, your handbag is lost or stolen in your country of origin.
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.
The kinds of losses that home insurance would protect against:
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.
You're spending a month in Hawaii, and accidentally hit someone in the head with your surfboard. Insured or not? If you have a good home insurance policy, you would be protected from a lawsuit resulting from injuring a person in another country, due to the liability insurance that is included.
You just finished golfing the game of your life at St. Andrews in Scotland, and are having a celebratory drink in the clubhouse. When you come out, someone has stolen your golf clubs. Covered or not covered? Your personal property is covered anywhere in the world, so your policy should definitely respond. Sporting goods such as golf clubs may not be fully covered, so be sure to check your policy closely. Check with your insurance agent to make sure you have enough coverage.
With your RV all packed up, you drive up the California coast for some vacation time. Your RV is broken into as you are out adventuring, and your laptop is taken, and your vehicle's flat screen is removed from the wall. Will these be protected by insurance? Your home insurance policy will likely cover your laptop as it was only removed from your home on a temporary basis. Items attached to the RV such as your flat screen will be covered by the vehicle's insurance policy, not your home insurance.
When you travel, it's nice to know that your home insurance comes with you.
So you're going on vacation. 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? Travel insurance costs can go up when someone pays for baggage cover, so look into whether your home insurance policy will cover you before choosing that option. This can be a cheaper option, and may also provide cover if, say, your handbag is lost or stolen in your country of origin.
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.
The kinds of losses that home insurance would protect against:
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.
You're spending a month in Hawaii, and accidentally hit someone in the head with your surfboard. Insured or not? If you have a good home insurance policy, you would be protected from a lawsuit resulting from injuring a person in another country, due to the liability insurance that is included.
You just finished golfing the game of your life at St. Andrews in Scotland, and are having a celebratory drink in the clubhouse. When you come out, someone has stolen your golf clubs. Covered or not covered? Your personal property is covered anywhere in the world, so your policy should definitely respond. Sporting goods such as golf clubs may not be fully covered, so be sure to check your policy closely. Check with your insurance agent to make sure you have enough coverage.
With your RV all packed up, you drive up the California coast for some vacation time. Your RV is broken into as you are out adventuring, and your laptop is taken, and your vehicle's flat screen is removed from the wall. Will these be protected by insurance? Your home insurance policy will likely cover your laptop as it was only removed from your home on a temporary basis. Items attached to the RV such as your flat screen will be covered by the vehicle's insurance policy, not your home insurance.
When you travel, it's nice to know that your home insurance comes with you.
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