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Personal Property Insurance

It is our mission to enable you to live and work anywhere in the world. Keep your belongings fully covered wherever in the world you may live. Personal property policies provide coverage against fire, theft, damage, water damage from rain/wind, and personal liability.

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Borderless Coverage

Your property is covered worldwide, so you can enjoy full protection wherever you are heading.



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.


Protect What You Value the Most

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.

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Key Features and Benefits

  • Comprehensive Protection: Every Clements International Personal Property policy provides coverage against All Peril, including theft, vandalism, fire, and breakage.
  • Full Replacement Cost: We won’t depreciate or just pay cash value for your damaged or lost property like other insurers. We even cover breakage.
  • No Gaps in Coverage: You won’t be left wondering if your items are still covered throughout their journey, or yours. Your items are protected from the moment they are shipped from your home and throughout transit. Coverage extends to the entirety of the overseas stay and throughout your return trip home.
  • Protection against All Risks®: We guarantee that your personal property is protected regardless of what may happen during its journey to your new destination.
  • Zero-Deductible for High Value Items: Get Scheduled Coverage for your valuables such as artwork, computers, cameras, and jewelry, plus pay no deductible in the event of a loss.
  • Free USD 500,000 Personal Liability Protection: Every Clements Personal Property policy includes free personal liability coverage, so you are protected in case someone is injured while on your property or if damages impact others. Personal Liability protection includes USD 500,000.
  • USD 10,000 included for Identity Fraud Reimbursement: Coverage for legal and communication expenses, associated with defending an identity fraud claim against you by financial institutions, removing incorrect judgments or challenging consumer credit rating.
  • Backed by the best: Our property insurance is underwritten by certain underwriters at Lloyd’s of London.
Can't thank you enough. Have contacted other insurances who are far too complicated with restrictions and "if" and "but". Won't consider anyone else in the future.

Clements' Client

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At Clements, we pride ourselves on having over 70 years of experience focusing on the insurance needs of people living and working overseas. So no matter where you are in the world, let Clements provide the protection you need, helping you to focus on making the most of your time abroad.


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