What are the Benefits of Personal Effects Insurance?
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 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 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 possessions 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.
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.
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.
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.
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.
Additional Policies for All Your Needs
Worldwide Car Coverage
Protect your vehicle against physical damage, theft, and political violence. Find out how international car insurance can let you drive with peace of mind.
Worldwide Personal Accident Coverage
Get 24-hour protection wherever you are in the world. Find out how international Personal Accident Insurance can provide you with peace of mind.
Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.