I’ve been on the road for +2 years and I’m starting to wonder if I should insure my big ticket items (computer, camera, expensive jewelry, etc).

I know some home and rental insurance policies in the US cover these items, but as a full-time traveler, I’m not sure I qualify for these plans.

Is there a certain insurance product that covers these items? I know tracker insurance covers these items during transit, but I’m looking for something to insure these items full-time.

Thanks for all the help!

  • zrgardne@alien.topBEnglish
    1·
    1 year ago

    https://www.statefarm.com/insurance/home-and-property/personal-articles-policy

    "What if I’m not at home?

    Personal property doesn’t have to be in your home to be protected by your policy. Your coverage travels with you — whether you’re enjoying the vacation of your dreams or running weekly errands."

    You are correct that travel insurance is basically pointless. The default limits I have seen in plans are $500 per item, $1500 total. Or you can pay a bunch to double these. But that clearly won’t cover full value of camera or laptop.

    I have the State farm plan. You send them SN and receipts for all the items and the plan cost is based on their value. Mine for $8k of stuff is $200 per year.

    Never made a claim to know how difficult it would be to get them to actually pay.

    • ANL_2017@alien.topBEnglish
      1·
      1 year ago

      This. I maintain renter’s insurance because of my storage unit back in the states and my policy has a similar clause.