---
title: Property Insurance | Clements Worldwide
---

![](https://hub.clements.com/hubfs/ClementsWorldwide_November2017/Images/clements-logo_1.png)

Personal effects insurance that ensures your belongings are kept safe!

 Property Insurance

  

Full Replacement Cost

Clements replace damaged items to actual value unlike other insurers who take into account depreciation or simply pay the current market value.

No Gaps in Coverage

Your items are protected from the moment they are shipped, whilst in transit and during the entirety of your overseas stay.

Personal Liability Protection

Personal Property policies also include complimentary Personal Liability coverage meaning if someone is injured while on your property, you are financially protected.

Identity Fraud Reimbursement

Coverage for legal and communication expenses, associated with defending an identity fraud claim against you by financial institutions.

  

 Policy Highlights:

- Borderless Coverage
- Your property is covered worldwide, so you can enjoy full protection wherever you are heading. 
- Protect What You Value the Most
- Most household effects will fall under unscheduled coverage. However, for high-value items, Clements offers the option of scheduled coverage for items such as jewelry, artwork, or computers so that you can have peace of mind while shipping your valuable goods.

- Optional Extensions
- Get additional umbrella liability coverage up to US$ 3m as well as coverage for items left in commercial storage.
- Deductible
- Flexible deductible options range from US$ 100 to US$ 2,500 per loss.

  

[![Quote Now](https://no-cache.hubspot.com/cta/default/3999491/a0a1cb12-a501-41e0-98db-f759fdf9ee0d.png)](https://cta-redirect.hubspot.com/cta/redirect/3999491/a0a1cb12-a501-41e0-98db-f759fdf9ee0d)

  

 Frequently Asked Questions

- What is covered?
  
  Personal property policies provide coverage against fire, theft and damage, water damage from rain/wind and personal liability at no extra charge. Losses are subject to your deductible for unscheduled property. No deductible applies to scheduled property.
- Is coverage provided for items in commercial storage?
  
  *We currently provide coverage for items in commercial storage outside of the United States and Canada. In the United States, we can provide coverage in the following states: California, District of Columbia, Florida, Louisiana, Maryland, Mississippi, Texas, Virginia, and Wisconsin. In Canada, we can provide coverage for all provinces. *
- Can I add or subtract items from my policy anytime?
  
  Yes, the personal property policy is very flexible, allowing you to add or subtract items at any time.
- What is excluded from my policy?
  
  Personal property policies do not cover flooding, earthquakes, wear and tear, unoccupied residence after 60 days, and shipment by mail.
- Do you require appraisals for coverage?
  
  We only require appraisals on scheduled items valued at $10,000 or more.
- How can I file a claim?
  
  All claims must be reported within 90 days with a claims form. You’ll need to provide a policy/embassy report for theft and accidents. All cancellations must be in writing. You’ll need to submit a bill of lading for proof of cancellations over 30 days. Clements provides pro rated refunds except on transit only policies.  

  

 International Solutions

[Life](https://hub.clements.com/expatexchange/life?hsLang=en)

[Income Protection](https://hub.clements.com/expatexchange/incomeprotection?hsLang=en)

[Auto](https://hub.clements.com/expatexchange/auto?hsLang=en)

[Property](https://hub.clements.com/expatexchange/property)

[Health](https://hub.clements.com/expatexchange/health?hsLang=en)

  

 U.S. Solutions

[US Auto](https://hub.clements.com/expatexchange/us-auto?hsLang=en)

[US Property](https://hub.clements.com/expatexchange/us-property?hsLang=en)

  

# Get in Touch

### Request a FREE Consultation

We understand that insurance can sometimes be confusing. How much cover do I need, what is the right policy for me, what happens if I make a claim... Simply fill out the form and one of our solutions experts will contact you to help. If you prefer being contacted by phone, please schedule a call below with our experts.

 

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#### [+1.202.478.6589](tel:+1.202.478.6589)

#### [ggb.washingtondc-2.sp.sales@ajg.com](mailto:ggb.washingtondc-2.sp.sales@ajg.com)

Clements Worldwide is a leading provider of insurance solutions for expatriates and international organizations. Founded in 1947, Clements of­fers worldwide car, property, life and health, and specialty and high risk insurance to clients in more than 170 countries. Our dedicated staffs in Washington DC, London, Brussels, and Dubai are committed to providing superior customer service and claims response.

[Terms & Conditions](https://www.clements.com/terms-conditions)