Frequent travel is commonplace in today’s global society, whether it’s for business or pleasure. You may be surprised to learn that your home insurance provides worldwide protection for many of the things that you wouldn’t expect it to cover.

So you’re going on vacation. Or you’re a snowbird, heading to Arizona for the winter. There are a lot of expensive things people travel with, including clothes, electronics, and recreational equipment. In a case where some or all of these items are lost or damaged, do you know if your home insurance plan protects you? Travel insurance costs can go up when someone pays for baggage coverage, so look into whether your home insurance policy will cover you before choosing that option. It could save you a decent amount of money, and there is the added benefit of coverage if your bag is stolen in your home country.

Personal items that are taken out of the home on a temporary basis are already covered by the majority of home insurance policies. If you cause damage to someone else’s property or cause them personal injury in another country, there is a good chance that your home insurance policy covers the cost of the damages.

Typical times that your home insurance would cover loss or damages:

You’re enjoying a spectacular view from a stone bridge in Scotland, and your camera slips out of your hands and falls in the river. Protected or not? For those who have purchased comprehensive home insurance, the camera will be replaced no matter where it is lost, after you pay the required deductible.

You could be on a surfing trip to Hawaii and may cause injury to another surfer by accident. Protected here, or not? If you have a good home insurance policy, you would be protected from a lawsuit resulting from injuring a person in another country, due to the liability insurance that is included.

You just finished golfing the game of your life. And decide to go have a few drinks in the club with your fellow players. As you’re leaving, you notice that your golf clubs have been stolen. Covered or not covered? Your policy protects your personal items worldwide, so they will go over your claim. Sporting goods such as golf clubs may not be fully covered, so be sure to check your policy closely. Check with your insurance agent to make sure you have enough coverage.

Your family is enjoying a California coast trip in your recreational vehicle. You are out for the day on a hike, and return to find that your laptop, and your TV and entertainment unit have been stolen from the RV itself. Covered or not covered? Since your laptop was only temporarily taken out of the home, your home insurance policy will most likely provide protection here. Items attached to the RV such as your flat screen will be covered by the vehicle’s insurance policy, not your home insurance.

As you are away on a holiday, knowing that you have some protection for your property from your home insurance is a comforting thought.

To learn more, visit Windsor home insurance, or if you’re renting your home visit this link.