International Personal Effects Insurance
Worldwide Personal Property Insurance
Our personal property insurance policies are completely customizable and can cover your home contents and valuable items whether you’re moving overseas, already living abroad or still planning your move.
Protect your valuable belongings
Personal property insurance is often also referred to as home contents, personal items, belongings, or household effects insurance. This coverage is similar to international renter's insurance. It covers your personal property while transported, at your overseas location, items left in storage and coverage when traveling. It protects your general effects and additionally provides coverage for high value items such as jewelry, silver, fine arts, etc.
What are the Benefits of Personal Effects Insurance?
Our personal property coverage provides extensive comprehensive benefits not found elsewhere. Coverages are frequently reviewed and improved resulting in unparalleled protection.
Coverage & Benefits
- Comprehensive Protection: Every Clements International Personal Property policy provides coverage against All Risks, including theft, vandalism, fire, and breakage.
- Transit and Shipping Insurance: Our personal property policies can provide all risk transit and shipping protection. Coverage includes while items are transported by truck, ship or airplane with no gaps in coverage.
- Coverage for High Valued Items: Scheduled coverage is available to comprehensively protect your high valued items, such as jewelry, fine arts, computers, cameras, oriental rugs, musical instruments, etc.
- Full Replacement Cost: Our personal property policies provide full replacement cost coverage. We do not depreciate the value of your effects at time of claim.
- No Gaps in Coverage: You won’t be left wondering if your items are still covered throughout their journey. Your items are protected from the moment they are shipped from your home and throughout transit. Coverage extends to your location overseas and throughout your return trip home.
- Protection Against All Risks: Your personal property is protected against all risks, damage or loss during transit and while you are living abroad. Some minor exclusions may apply.
- USD 500,000 Personal Liability Protection: Every Clements Personal Property policy includes at no additional cost personal liability coverage, so you are protected if you are found legally responsible or negligent for an event overseas.
- Backed by the Best: Our property insurance is underwritten by certain underwriters at Lloyd’s of London.
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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 Risks 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 territories.
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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Coverage Chart
Some exclusions apply.
Covers your personal property, HHE and UAB shipments for all risks of loss in transit by Air, Sea or land.
Blanket all risk coverage that protects your household items abroad.
Itemize your high valued items to ensure they are covered for all risk at their scheduled amount. High value items that are eligible to be scheduled are: jewelry, fine arts, cameras, computers, oriental rugs, musical instruments and other collectibles.
If you have a claim, your personal property will be valued at what it cost to replace with like kind and quality without the deduction for depreciation.
Blanket all risk coverage that protects your items in a commercial or government facility. This does not include self or public storage.
Protects your personal property anywhere in the world outside your home country. Coverage is not available in the US, Canada and territories subject to international sanctions.
Protection for your personal property while on vacation. Up to 30 days coverage for home leave R&R back in your home country.
Up to $10,000 medical expense coverage for injuries to a guest due to an accident in your foreign residence.
$500,000 of personal liability protection included at no additional cost. Designed to cover bodily injury or property damage to a 3rd party that you are held responsible for.
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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.
* Coverage is not available in the US, Canada and territories subject to international sanctions.