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International Renters Insurance

Including Personal Liability & More

International Renters Insurance protects expats’ belongings from damage and loss for those residing in an apartment, condo, or home. This coverage also includes personal liability coverage for renters, which protects you financially in case someone is injured on the property you rent.

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Expat family in their rental home.

Need Short-Term Renters Insurance?

Policies are issued annually, but you can cancel anytime and receive a prorated refund, minus any one-time charges, like transit coverage.

Why Do I Need International Renters Insurance?

Renters insurance is a smart financial decision and a crucial step in maintaining your quality of life. Paying a small premium annually protects you and all the belongings that make up your household by transferring most of the financial liability to your insurer so you can recover in the face of a catastrophic loss, such as theft or fire.

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Protect Your Belongings

Renters insurance protects your property from theft and damage, like vandalism, fire, and certain weather events in your home abroad.

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Full Replacement Cost

This policy covers furniture, jewelry, clothing, electronics, collectibles, and more, worldwide at the price its worth today, not the depreciated value.

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Personal Liability Insurance for Tenants

You have liability coverage should someone take legal action against you as a result of an accident on the property you are renting. The policy also includes medical payments.

What You Need to Know

About International Personal Property Insurance

International renters insurance covers your personal belongings worldwide while you are living abroad.

In this video, we discuss the benefits of international personal property insurance, how it works, and how to choose the right policy for your needs.

If you’re planning to live abroad, renters insurance could be the best way to have peace of mind and financial protection in the event of an unexpected event.

Renters Insurance is Available in 170+ Countries

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Coverage Highlights

Clements’ generous international renters coverage leaves tenants with less financial and personal liability.

All-Risk Coverage: Some insurers only cover loss or damage for a specific list of causes, but Clements’ all-risk coverage is comprehensive and covers insured property for any cause unless specifically excluded.

Continuous Worldwide Coverage: Our policy includes a transit add-on which protects your belongings door-to-door while traveling and whether they are shipped by land, air, or sea. They are also covered in commercial storage and globally at your destination.

Replacement Cost Coverage: If you make a claim, your personal property will be valued at what it costs to replace it today. We do not account for depreciation.

Unscheduled and Scheduled Coverage: Our global protection covers all your belongings. This can include scheduled items (high-value articles, such as electronics and jewelry) and unscheduled items (belongings that do not require itemizing, like clothing, furniture, and appliances).

Personal Liability Protection: Standard renters insurance coverage includes $500,000 in personal liability coverage and $10,000 in medical payments.

Flexible Rates: Choose coverage to fit your budget. Our deductibles range from as low as $100, up to $2,500.

How Much is Renters Insurance?

Like most insurance policies, the cost of international Renters Insurance depends on several factors, including the level of coverage you purchase and your deductible (the amount you pay before insurance kicks in). These choices can raise or lower your monthly payments.

One thing is for certain—Renters Insurance is far less expensive than having to shoulder the financial burden of replacing all your household items in the event of a catastrophe, such as theft or fire.

Clements’ international Renters Insurance policies start at $60/year. Putting a little of your financial resources towards insurance premiums every year goes a long way to securing peace of mind.

Why Choose Clements?

Save time and money. Packing and shipping is covered with our transit add-on , eliminating the need for multiple personal property policies.

No-gap coverage. Stay covered door to door with customizable Renters Insurance policy options.

Easy claims. With one insurer, claims are resolved with less hassle.

Homeowners insurance in Italy provides peace of mind.

Do You Own a Home in Italy?

Get protection for your home and building, including villas, condos, apartments, houses, and vacation homes along with their contents and residents.

Italy Home & Building Insurance

FAQ About International Renters Insurance

Whether you are a tenant in an apartment, condo, or home, protecting your personal property while living overseas will give you peace of mind. Learn more about this coverage, how it works in other countries, what is covered, what is not, and much more:

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You can rest assured knowing you are protected financially.

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

Learn about the value and benefits of our additional worldwide coverage options. Bundle your property and car policies for savings and complete protection for yourself, your belongings, and your family.
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Related Policy

International Car Coverage

Three types of International Car Insurance, which you can combine for maximum coverage: Worldwide Auto, Third-Party Liability, and Excess Liability Insurance.

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Related Policy

Worldwide Personal Property Coverage

Cover your most cherished belongings in-transit and at your destination. Discover why international personal property insurance may make sense for you.

Contact Us

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