Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Yes it does. Be sure to discuss your policy coverage with your Insurance Professional before your trip, but in most cases, your personal property will be covered while you are enjoying your vacation. The amount of total coverage may vary but in general, it is 10% of the stated Personal Property amount listed in your current policy contract. Any loss would be subject to your deductible, of course, and your advisor may point out that certain classes of property like cameras, jewelry etc may have limitations.
Insuring your higher value items specifically either as a rider or on a separate policy can eliminate any coverage limitations and actually provide more comprehensive coverage so it would be a good idea to include that in your discussion with your insurance professional as well.
Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
Unless your policy has a theft exclusion your personal items that are stolen while on vacation would be covered. Certain items may have coverage limits but the same would be true if you were at home. Of course any claim paid out would be minus the deductible on your policy.
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Insuring your higher value items specifically either as a rider or on a separate policy can eliminate any coverage limitations and actually provide more comprehensive coverage so it would be a good idea to include that in your discussion with your insurance professional as well.