International Personal Effects Insurance
Worldwide Personal Property Insurance
Personal property insurance is often also referred to as home contents, personal item, belongings, or household effects insurance. It covers valuable personal property that isn’t permanently attached to your home. In your personal effects insurance policy, you can include privately owned items, such as jewelry and clothing, which are normally worn or carried on person. Your existing property insurance policy may not cover all of these belongings while traveling, during a move, or while at your home abroad – this is where you can use the international personal property insurance from Clements Worldwide.
Protect your valuable belongings
Personal Contents Insurance Abroad
Protect your possessions during a move, while traveling, or while inside your home abroad with a customizable personal property coverage.
With our All Peril personal item insurance coverage, your valuable belongings will be protected if they’re:
- Damaged (including in transit)
- Misplaced
- Stolen, etc.
Personal property insurance policies are completely customizable and can cover your home contents and valuable items whether you’re already settled into your home overseas or still planning your move. Destination coverage is designed for expats who are already living abroad; however, you can choose to include transit coverage with All Risks if you’re still in the process of relocating to your new destination.
What are the Benefits of Personal Effects Insurance?
Our international personal effects coverage is always tailored to you, allowing you to find the insurance that covers exactly what you need. Each personal property insurance policy covers an extensive range of perils, from theft and vandalism to fire and breakage. Your belongings insurance is in place from the moment items are shipped and coverage extends throughout both your and your item's journey. Plus, we provide full item replacement cost, meaning you don’t have to worry about receiving depreciated or cash value for any damaged, lost, or broken property.
Benefits & Features
- Comprehensive Protection: Every Clements International Personal Property policy provides coverage against All Peril, including theft, vandalism, fire, and breakage.
- Full Replacement Cost: We won’t depreciate or just pay cash value for your damaged or lost property like other insurers. We even cover breakage.
- No Gaps in Coverage: You won’t be left wondering if your items are still covered throughout their journey, or yours. Your items are protected from the moment they are shipped from your home and throughout transit. Coverage extends to the entirety of the overseas stay and throughout your return trip home.
- Protection against All Risks®: We guarantee that your personal property is protected regardless of what may happen during its journey to your new destination.
- Zero-Deductible for High Value Items (at least USD 500 value): Get Scheduled Coverage for your valuables such as artwork, computers and laptops, cameras and related equipment, jewelry, silver, furs, oriental rugs, musical instruments, stamp and coin collections, plus pay no deductible in the event of a loss.
- Free USD 500,000 Personal Liability Protection: Every Clements Personal Property policy includes free personal liability coverage, so you are protected in case someone is injured while on your property or if damages impact others. Personal Liability protection includes USD 500,000.
- USD 10,000 included for Identity Fraud Reimbursement: Coverage for legal and communication expenses, associated with defending an identity fraud claim against you by financial institutions, removing incorrect judgments or challenging consumer credit rating.
- Backed by the best: Our property insurance is underwritten by certain underwriters at Lloyd’s of London.
Get your personal property coverage quote
* Limits and restrictions apply. Subject to certain country restrictions. Coverage is excluded in the United States and its territories and possessions in addition to Iran and North Korea.
Coverage Chart
| Comprehensive Coverage | Truly worldwide coverage for breakage, marring, theft, fire, denting, scratching, or loss |
| Commercial Storage | We offer storage coverage options for items in commercial storage in the worldwide, including the US, but excluding Canada. For more details about our Canadian based storage coverage, call us directly at info@clements.com, +1.800.872.0067 or +1.202.972.0060 |
| Coverage Location | Coverage is available worldwide, excluding sanctioned countries, Canada, and the US, however in the US we do provide storage insurance |
| Deductibles | Flexible deductible options range from USD 100 to USD 2,500 per loss |
| Minimum Policy Premium | USD 5,000 of unscheduled foreign destination coverage |
| Scheduled Items | Optional. Scheduled items should be valued at USD 500 or more, an appraisal or purchase receipt is required for each scheduled item valued at USD 10,000 or more. Scheduled items are not subject to deductible |
| Exclusions | Standard war exclusion applies. Coverage not applicable to general wear and tear, and gradual deterioration. See your policy for more details |
| Transit Coverage | Optional. Can be added to keep your household effects protected while in transit. |
Additional Terms and Conditions: Unscheduled coverage is limited to USD 2,500 coverage in the aggregate per loss for unscheduled jewelry, precious stones, watches, furs, silver, objects of art, computer equipment, camera and photographic equipment, musical instruments (except pianos), golf equipment, stamp and coin collections and other similar valuables. Refer to Scheduled Coverage section for proper coverage of these items. A standard war exclusion clause applies. No recovery is available for losses caused by wear and tear or gradual deterioration.
FAQ: International Personal Property Insurance
It’s important to keep your household contents and personal property fully insured while overseas, but how does this coverage work in other countries? This and other frequently asked questions listed below may give you the information you need.
The personal effects coverage is best suited for anyone moving abroad who plans to take personal possessions with them.
Personal property refers to items within the home that are not attached to the property. Depending on your personal contents insurance policy, your belongings insurance may include such items as computers, cameras, musical instruments and sports equipment, and keepsakes such as artwork, furs, silver, collectibles, jewelry, and watches.
International personal property policies provide coverage against fire, theft and damage, water damage from rain/wind and personal liability at no extra charge. Losses are subject to your deductible for unscheduled property. No deductible applies to scheduled property.
Please see the FAQ question on this page for an explanation of both scheduled and unscheduled coverage.
We recommend you insure all of your personal items accompanying you abroad. This includes unscheduled items such as clothing, bedding, small electronics, as well as an itemized list for scheduled items such as valuables like cameras and computers.
Please see the FAQ question on this page for an explanation of both scheduled and unscheduled coverage.
Yes. With our All Peril international personal items insurance, your items are protected if they’re misplaced during a move, while traveling, or at your home abroad.
Your personal property is covered in transit if you add Transit & Cargo coverage. This protects you against All Risks from the time your property leaves your home to the time it arrives at its destination.
You can add Transit & Cargo coverage at any time.
We currently provide belongings insurance for items in commercial storage worldwide, including in the US, but excluding Canada and sanctioned countries.
The key difference between commercial storage and self-storage is access. Although your contents are stored in commercial storage, you do not have direct access to the facility. Conversely, self-storage facilities allow owner access which introduces a broad range of risks to the contents that otherwise would not exist.
Some examples of what personal property policies do not cover are flooding, wear and tear, unoccupied residence after 60 days, and shipment by mail. For the full list, please contact us at info@clements.com, +1.800.872.0067 or +1.202.972.0060.
Our cover provides both unscheduled and scheduled coverage. Unscheduled coverage is non-itemized and for everyday property like clothing, bedding, small electronics and equipment. Scheduled coverage is for valuable items like jewelry, cameras, musical instruments, and computers. Remember to include a detailed, itemized list for all Scheduled coverage items.
We require appraisals on scheduled items valued at $10,000USD or more.
We recommend against signing anything that waives your right to hold the shipper accountable for any damage or losses to your personal property. By waiving the shipper's liability, you may be putting your claim at risk for denial.
Our personal property policy is very flexible. You can add or subtract items from your unscheduled and scheduled coverage at any time. You may be subject to additional charges.
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Volunteering with the Peace Corps or VSO?
Our coverage is designed to meet the specific needs of international volunteers serving around the globe. Our international personal property program provides reliable coverage for all your valuable possessions while you are transferred to your post and throughout your journey.