Renters Insurance While Traveling: What to Check Before Packing

1

Personal property coverage may follow belongings away from home, subject to policy terms.

2

Check covered causes of loss, special limits, and the deductible before traveling.

3

An airline or travel claim and a renters claim may need coordination.

4

Save purchase records and photos somewhere accessible away from home.

Does my roommate’s renters policy cover my luggage?

Do not assume it does. Coverage depends on who qualifies as an insured under that policy. Ask your own insurer about your belongings and the people included in your contract.

Are borrowed items treated like things I own?

Policy treatment can differ. Tell the insurer that the item belongs to someone else and ask how property in your care is handled before taking it on the trip.