When purchasing Homeowner’s Insurance, you can specify to include coverage for your possessions away from home. Including the coverage for personal belongings away from home will protect such items as jewelry, gadgets, clothes, bicycles, keys, cash, and other possessions. When you take your items with you outside of your home, the optional coverage on your Homeowner’s Insurance can protect your items against accidental damage or loss.
Some Homeowner’s Insurance policies might include such coverage as a standard, so review the terms and conditions of your Homeowner’s policy to verify if the coverage meets your needs and expectations. More commonly, coverage for items away from home is an add-on to the policy. Keep in mind that certain situations serve as exclusions from personal possessions coverage, including leaving your possessions unattended, wear and tear to your items, camping equipment, pets and other animals, business-related goods, tools, or goods that are left in plain view in a locked car or stolen from an unlocked vehicle. In order to receive full information about your coverage and exclusions, contact your insurance provider directly or speak to a licensed agent at Team Insurance.