{"id":2237,"date":"2026-04-29T18:09:00","date_gmt":"2026-04-29T22:09:00","guid":{"rendered":"https:\/\/www.securiglobe.com\/?p=2237"},"modified":"2026-04-29T18:28:36","modified_gmt":"2026-04-29T22:28:36","slug":"does-your-home-insurance-cover-your-belongings-while-travelling","status":"publish","type":"post","link":"https:\/\/www.securiglobe.com\/en\/does-your-home-insurance-cover-your-belongings-while-travelling\/","title":{"rendered":"Does Your Home Insurance Cover Your Belongings While Travelling?"},"content":{"rendered":"
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The excitement of travel often comes with a practical question: if I lose my suitcase or my brand-new camera is stolen abroad, will my Quebec home insurance compensate me?<\/p>\n

The answer, as is often the case with insurance, is\u2026 drumroll\u2026 it depends!<\/strong><\/p>\n

1. The Good News: \u201cProperty Away from Premises\u201d Coverage<\/h2>\n

Your home insurance<\/a> policy (tenant, homeowner, or condo owner) generally includes coverage called
\nProperty Away From Premises<\/strong>.<\/p>\n

What does it cover?<\/strong> This coverage protects, subject to certain limitations depending on your policy, your personal belongings (clothing, electronics, sports equipment, etc.) against theft, fire, or certain types of damage, even when they are no longer physically inside your home.<\/p>\n

Where am I covered?<\/strong> Usually, this protection extends worldwide.<\/p>\n

2. The Bad News: The 3 Major Limitations<\/h2>\n

This is where home insurance shows its limits compared with a dedicated travel insurance policy, such as those offered through<\/a>
\nSecuriglobe.<\/p>\n

2.1 Coverage Limits (Maximum Amount)<\/strong><\/p>\n

Your protection abroad is not unlimited. It is often capped and is frequently a percentage of your insured contents.<\/p>\n

\n\n\n\n\n\n\n
Type<\/th>\nTotal Insured Contents (Home)<\/th>\nTravel Coverage Limit<\/th>\n<\/tr>\n<\/thead>\n
Homeowner<\/td>\n200,000 $<\/td>\n$20,000 or unlimited depending on the policy<\/td>\n<\/tr>\n
Tenant
\nSame principle applies to condo owners<\/span><\/td>\n		50,000 $<\/td>\n$5,000 or unlimited depending on the policy<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

In addition, valuable items such as jewelry, watches, furs, cash, or bicycles often have very low sub-limits.<\/p>\n

For example, your engagement ring may only be covered up to $2,000, even if your travel property limit is $20,000.<\/p>\n

2.2 Deductible<\/strong><\/p>\n