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.
Frequently Asked Questions
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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.
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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.
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Yes, the personal property policy is very flexible, allowing you to add or subtract items at any time.
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Personal property policies do not cover flooding, earthquakes, wear and tear, unoccupied residence after 60 days, and shipment by mail.
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We only require appraisals on scheduled items valued at $10,000 or more.
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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
U.S. Solutions
