All You Need to Know About Home Insurance for Travellers

Posted on: Mar 26, 2025 | 3 mins | Written by: HDFC ERGO Team

All You Need to Know About Home Insurance for Travellers

When you hear the term home insurance, the first thing that comes to your mind is a safety net for your home. However, one thing you must know is that the insurance for your home can offer safety and protection to many other things in your house.

If you opt for additional coverage with higher premiums, your home insurance will also cover the contents of your house. However, in this case, you must provide a list of content to be covered. But what about when you're travelling or going on a trip? Will your contents be covered even when you're going on a trip? Many people have this question, so let's understand the situation.

Will My Home Insurance Cover Travel?

There is home insurance for travellers that one might choose if they're frequent travellers. However, if you're looking for complete trip coverage, that's not possible. For that purpose, you will need to get your hands on comprehensive travel insurance.

Some of the property insurance policies for homes will guarantee the safety of the contents of the house. However, the primary distinction would come in the coverage. The insurance policies for homes will provide only a certain percentage or limit of coverage for the list of theft and stolen items. Most insurance companies enlist this information on their website to ensure a safety net.

Since your property is stolen off-premises, outside of your home, the vulnerability already increases. Moreover, the insurance companies will also levy specific deductibles. You will have to connect with your home insurance agent and get all the details to understand how much coverage will be provided in case anything goes wrong.

Get Homeowners Insurance to Protect Your House

Your homeowners insurance can be highly effective when it comes to protecting the belongings of your house while you're on a trip. The insurance will still be valid for coverage whether the items are stolen off-property or on-property.

Get your homeowner's insurance details before you set out on a trip. Therefore, if any item is stolen from your home when you're not present at the property, you will be eligible for receiving the specific coverage. The insurance offers you peace of mind, ensuring you can enjoy the vacation properly.

The insurance will protect you against unwanted damages such as fire, lightning and smoke. The insurance will also offer protection against hail and snowstorms in extreme winter conditions. Apart from weather and natural calamities conditions, the insurance also provides coverage in case of theft and vandalism. You should analyse the size of your house and get insurance coverage that fits your needs.

It is advisable to connect with expert insurance agents to help you understand the charges behind the home insurance. These professionals will also help you explore which type of insurance would be perfect for your house. Therefore, you can choose your insurance and have fun during your trip without worrying too much about your home.

Why Get Property Insurance Before Heading Out On a Trip?

If you travel frequently, your house will likely be unoccupied most of the time. Now, that can be extremely worrying for you, right? You may avoid that hassle as you partner with a good insurance company.

The experts will help you secure your property with the best coverage. Here are some of the key benefits of getting a property insurance when you're often going on trips:

1. Protect the Structure of Your Home

When you're going on a trip, you must secure your house's structure. During your absence, you'll be covered if any damage happens to the property based on the coverage clauses. However, you will have to file a claim with all the accurate details so there's no delay in getting the returns.

2. Living Cost Coverage

Renters may also apply for renters insurance to get living cost coverage. If the house or property becomes damaged due to any natural or man-made disaster, the insurance shall be liable for covering it. As a renter, coverage will be offered if you have to move from one rented place to another due to the damages, such as living in a hotel until the property is repaired.

3. Protect Your Personal Belongings

Renters insurance can also significantly protect all your personal belongings within the property. If any additional damages happen at the property, the owner's insurance will come into place for this. However, if personal property losses have happened, and you have insurance for everything, you can file the claim and get on with it.

What Will the Home Insurance for Travellers Cover?

Many people are unfamiliar with this, but there is home insurance for travellers. It is like the standard home insurance offering a wide range of benefits. Now, you must consider its coverage, especially to determine the benefits.

Some of the key things covered by a traveller’s house insurance include the following:

1. Portable Electronic Equipment

If you're carrying any expensive electronic equipment with you during the trip, it will be covered by the insurance. In this case, the insurance will provide the repair charges or coverage for theft and loss. For example, if you lose your laptop or camera while you're on the trip and your home insurance covers it, you will receive the coverage benefits.

2. Jewellery and Valuables

When you're travelling due to an event, you will likely carry expensive jewellery and valuables. What if they're accidentally lost or stolen? That can be nothing less than a trauma. However, if you have a home insurance plan that covers the contents of your house during your travel, the loss of jewellery and other valuables will be covered, too.

Note: All the coverage that may be provided due to loss or theft of personal property off-premises will be less than the standard policy coverage. This is because the items are already away from the premises, and the vulnerability is high. As a result, the deductibles will also be applied to it.

Types of House Insurance for Travellers

People can opt for two kinds of homeowners insurance policies, depending on the category they belong to. These include:

1. House Insurance for Owners:

When you own the property, you own the furniture, the contents and the structure. Choose a policy that offers coverage for the home structure and its contents. The insurance can safeguard all your essential items. You may have to get additional coverage with higher premiums for valuable jewellery.

2. House Insurance for Renters:

Even if you don't own the structure, you will own the contents of the house once you rent the property. Get insurance that offers complete coverage of contents against theft, loss and damage. Moreover, if you have portable electronics at the property, you must pay a higher premium for extra coverage.

Conclusion

Safeguarding your house and its belongings is essential when you're going on a trip. Your home is one of your biggest investments, so you must safeguard it. Choosing the right insurance policy for your home can offer extra benefits along with coverage for your house. However, all you need to do is conduct thorough research to find a property that fits your requirements and provides coverage for the items that you're looking for. So, choose good insurance from any of the top providers and secure your home and its belongings.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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