International Renters Insurance

If you rent any kind of residence outside your home country, whether it’s a room, apartment, condo, or home, you need Renters Insurance. International Renters Insurance helps protect you financially, including replacing lost or stolen items and personal liability protection from accidents on the property you rent abroad.

Most insurance policies, including Renters Insurance, cover a specific set of risks. While each policy is different, general exclusions include:

• war and terrorism,
• evacuation due to war,
• flood,
• intentional loss,
• wear and tear,
• animals and plants,
• motor vehicles (including water and aircraft), and
• real property

Renters policies may be customized with add-ons, so exclusions also depend on an individual’s level of coverage. For additional questions about our policies, please contact us at: info@clements.com, +1.800.872.0067, +1.202.972.0060.

Yes, international Renters Insurance covers personal belonging in all countries except:

• the insured’s home country
• countries sanctioned by the U.S.
• Canada, and
• the U.S. and its territories (except for storage coverage and transit)

Government employees or contractors who are on authorized leave from their country of assignment and return to their home country can continue coverage for the period of their leave.

Yes, your Renters Insurance covers theft and lost items worldwide. Clements’ all-risk coverage for tenants is comprehensive and covers insured property for any cause unless specifically excluded as opposed to “named perils” coverage, which only covers loss or damage from a specific list of causes named in the policy.

Personal liability coverage in terms of Renters Insurance protects tenants in the event a claim or lawsuit is brought against them for damage or bodily injury that occurred on the property they rent. It may also help with associated legal costs. Coverage limits apply.

Ideally, your renters coverage should be high enough to cover the entire replacement cost of all your household contents, including high-value items like electronics and common items, like clothing. Adequate insurance coverage ensures you are fully protected in the event of catastrophic event, like a fire.

Our international Renters Insurance does not cover fraudulent sales (i.e., sales scams); however, this policy does provide up to USD 10,000 protection for the costs associated with identity fraud. Please note your renters coverage does not extend to fraud connected with your business, occupation, or profession.