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International Personal Property Insurance

Worldwide Personal Effects Insurance

Our international 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

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What are the Benefits of Personal Property Insurance?

Our personal effects coverage provides extensive comprehensive benefits not found elsewhere. Coverages are frequently reviewed and improved resulting in unparalleled protection of your home contents.


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 effects policies also include all risk transit and shipping protection for your possessions. Coverage includes while items are transported by truck, ship, or airplane with no gaps in coverage.


Coverage for High Valued Items

Scheduled personal item insurance 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 insurance 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 possessions are still covered throughout their journey. Your items are protected from the moment they are shipped from your home. Coverage extends throughout transit, 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.

What You Need to Know

About International Personal Property Insurance

Personal property insurance is often also referred to as home contents, personal items, belongings, possessions, or household effects insurance. This coverage is similar to international renter’s insurance. It covers your personal property while transported, at your overseas location, possessions 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.

Protect Your Valuable Belongings

Get personal property coverage that knows no borders.
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Bundle & Save

Add Personal Property insurance to your Mexican Car insurance with Excess Liability coverage and save.
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Discount on Your Personal Property Insurance

If you have an active Auto Insurance policy with Excess Liability, we will apply a discount on your Personal Property insurance policy, to help you protect your belongings in your new location, including transit.

Request your Car quote, indicate that you are interested in Personal Property insurance, and we will reach out about your policy options.

Coverage Chart

Some exclusions apply.

Transit and Shipping Coverage: Covers your personal property, HHE and UAB shipments for all risks of loss in transit by Air, Sea or land.

Unscheduled Overseas Coverage: Blanket all risk coverage that protects your household items abroad.

Scheduled Coverage: 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.

Replacement Cost Coverage: 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.

Commercial/Government Storage Coverage: Blanket all risk coverage that protects your items in a commercial or government facility. This does not include self or public storage.


Worldwide Protection: 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.

R&R Coverage: Protection for your personal property while on vacation. Up to 30 days coverage for home leave R&R back in your home country.

Medical Expense Coverage: Up to $10,000 medical expense coverage for injuries to a guest due to an accident in your foreign residence.

Personal Liability Protection: $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.

What is Transit Insurance for Personal Property?

Transit insurance for personal property is an optional benefit that can be purchased as and add-on. Transit benefit will cover all risks of physical loss or damage to your items which are covered under our personal property policy whilst your items are being professionally packed or unpacked, in transit whilst in custody with you, or any registered commercial or governmental shipper, contracted by you or your agent. This coverage extends transit either by land or sea.
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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 about personal belongings insurance.

Get Your International Personal Property Insurance Quote

Complete this form for an instant quote.

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.

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Consider these other insurance solutions to protect yourself, your stuff and your family:
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Contact Us

Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.