OffPremises_GettyImages_250x250-compressor

Does home insurance cover belongings not in my home?

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Protect your phone, laptop and other possessions when you take them with you away from home.

Most home insurance policies come with off-premises personal property coverage, which means your belongings are protected even when they’re not in the home. But check your policy to find out if your off-premises coverage has a lower limit than your items at home.

Does homeowners insurance cover my personal property when I’m not at home?

Yes. If your laptop is stolen from your car or your storage unit catches fire, destroying your extra furniture, your home insurance will generally cover it.

This is referred to as off-premises coverage, and it’s part of your personal property coverage. But some policies may set lower limits for off-premises coverage, so you may not be fully covered if you lose something expensive or if a lot of your belongings are stolen or destroyed at once.

To find out more about how your off-premises coverage works and what its limits are, check your policy documents or talk with your insurer.

What types of coverage are available?

There are two ways to protect your belongings away from home: Included off-premises coverage and scheduled personal property coverage.

Included off-premises coverage

Most home insurance policies already cover a wide range of possessions away from home. But there’s often a cap on how much you can claim per item, and it only covers damage from perils listed in your policy.

For example, if your per-item limit on jewelry is $2,000 and your $5,000 ring is stolen, you’ll only be reimbursed $2,000. And if you break the band or damage a stone, your insurance likely won’t pay for any of it.

Scheduled personal property coverage

Also known as valuable personal property insurance, this allows you to select specific items and insure them for an agreed amount, making it a good choice if you have any high-value items that you want to cover at home and while you’re away.

For example, you could insure the ring in the example above for $5,000, and you’d get its full value if it were stolen or destroyed.

Compare home insurance policies with off-premises coverage

Name Product Flood coverage Fire coverage Storm coverage Replacement options Available states
Replacement cost, actual cash value
All 50 states
Protect your home and auto insurance with Progressive to save a bundle.
Replacement cost, actual cash value
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Actual cash value
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.
Gabi home insurance
Gabi home insurance
Replacement cost, actual cash value
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Replacement cost, actual cash value
AL, FL, GA, TX
Get coverage fast with policies designed to protect coastal homes.
Replacement cost, actual cash value
All 50 states
Save big with Geico's home insurance discounts and bundling, all with easy online management.
Replacement cost, actual cash value
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 12 highly rated home insurers.
Replacement cost, actual cash value
AZ, CA, CT, DC, GA, IL, IN, MD, MI, NV, NJ, NY, OH, OR, PA, TN, TX, VA, WI
Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.
Replacement cost, actual cash value
All 50 states
A full range of home coverages and products Value-added features are built in to each home policy Three highly customizable packages as a starting point
Replacement cost, actual cash value
All 50 states
Enjoy great rates and wide coverage with USAA. Available to military members and family.
Nationwide home insurance
Nationwide home insurance
Replacement cost, actual cash value
44 states (available everywhere except AK FL HI LA MA NJ & NM)
Allied home insurance backed by Nationwide offers tons of discounts and one-on-one support from your local agent.

Compare up to 4 providers

What events are covered?

Your home insurance policy will generally cover you if your items are stolen or destroyed by a peril covered by your policy, like a fire or storm.

If you have scheduled coverage on expensive items, it may also include coverage for if you lose the item or accidentally damage it. But what kinds of damage are covered depends on the insurer, so it’s a good idea to read the fine print before choosing a policy.

What’s excluded from home insurance?

Exclusions vary from policy to policy, but your insurer generally won’t cover:

  • Wear and tear
  • Theft of or damage to possessions that are left unattended in a public place
  • Any possessions related to your business or trade
  • Damage caused by your pets
  • Items left in an unlocked vehicle or in plain sight in a locked vehicle

Bottom line

If you have home insurance, you likely already have coverage for your belongings while they’re away from home — though you’ll need to check your policy to find out what your coverage limits are. And if you don’t already have a policy, compare home insurers to find one that’s right for you.

Frequently asked questions about portable contents coverage

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site