Frequently Asked Questions
Frequently Asked Questions about International Personal Property Insurance.
This coverage is best suited for anyone moving abroad that plans to take personal possessions with them.
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.
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.
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.
This is an annual policy. Your policy can be renewed automatically or when you receive your renewal notice.
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.
We currently provide coverage for items in commercial storage in select states within the U.S. and all of Canada. In the United States, we provide coverage in: California, District of Columbia, Florida, Louisiana, Maryland, Mississippi, Texas, Virginia, and Wisconsin.
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 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.
We require appraisals on scheduled items valued at $10,000USD or more.
Personal property policies do not cover flooding, wear and tear, unoccupied residence after 60 days, and shipment by mail.
You can file a claim on line in our Action Center. All claims must be reported within 90 days. If you’ve been a victim to theft or an accident, you’ll need to provide a police/embassy report.
To cancel your policy, visit our Action Center and submit a cancellation request. All cancellations must be in writing. You’ll need to submit a bill of lading for proof of cancellations over 30 days. Clements provides pro-rated refunds except on transit only policies.
For more details, please contact one of our licensed professionals at +1.800.872.0067 or +1.202.872.0060.