Does Home Owners Insurance Cover Lost Luggage?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Luggage is personal property so if stolen there would be coverage minus your deductible. There may also be potential coverage under mysterious disappearance. As to the limits of coverage, this would be determined by what was actually in the luggage. Consult your policy and local agent to discuss the exact nature of your loss and coverage.
    Answered on April 29, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A percentage of the personal property covered in a homeowner’s policy extends to personal property that is away from the premises.  Suitcases are often used away from the premises.  If they are lost or stolen they would be a potential claim.  Please remember the deductible as that might exceed the value of the luggage.
    Answered on June 23, 2014
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