Will my property insurance cover my personal belongings when I’m traveling?

Purchasing property insurance in Plano, TX can provide coverage for a variety of situations and concerns. Depending on the plan that you purchased, it may cover your personal belongings while you are traveling, even if those items are with you during your travels and are lost or stolen on your trip.

Policy Details

The only way to determine if your property insurance plan has provisions regarding the loss of belongings while you are traveling is by looking through your policy and evaluating the details of the plan. Every plan differs, so it may or may not be covered.

Keep in mind that clauses and exceptions can have an impact on your coverage. Even if most items are covered, you may discover that a clause prevents a particular item from being replaced due to the risks or the cost of the item.

Stolen Items

Even if you do not take your personal belongings with you, it is possible for items to be stolen when you are away from home. Traveling can result in the loss of property due to theft or damages to the property.

If items are stolen from the property, then your coverage should allow you to replace it according to the policy requirements. When items are stolen during your travels, you may or may not be able to make a claim on your property policy. The details of protecting items you take out of the house may depend on the specific item and the current plan.

In many cases, insurers will pay for personal belongings that are lost or stolen while you are traveling, but the details of making a claim and the items that are eligible may vary. Contact us to learn more about your options and speak to an agent.