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Clements
Clements Worldwide Personal Property Insurance provides complete, uninterrupted protection for your personal property during transit and at destination.
Key features:
- Choice of transit and destination insurance Coverage or only destination insurance if already living aborad- Hassle-Free claims service
- Combined coverage eliminated gaps in coverage
- Primary liability insurance is included in your policy free of charge
- Policies written in English
- Policies based in US$
- Consistent coverage from country to country
- Written through US regulated insurance company
You can choose between Transit & Foreign Destination or Foreign Destination Only
Transit & Foreign Destination
Transit & Destination Unscheduled Coverage is designed for professionals who have not yet moved to their foreign destination. This coverage is combined to eliminate the gaps that occur by purchasing separate policies. Unscheduled items are covered at full replacement cost and include coverage while in your foreign residence, commercial storage or while traveling.
- For unscheduled coverage, the first $100 of any one loss at your destination or the first $250 of any transit loss is not covered.
- A standard war exclusion clause applies.
- Unscheduled coverage is limited to $2500 coverage in the aggregate per loss for unscheduled jewelry, precious stones, watches, furs, silver, objects of art, computer equipment, camera and photographic equipment, musical instruments (except pianos), golfers equipment, stamp and coin collections and other similar valuables. Refer to Scheduled Coverage section for proper coverage of these items.
Foreign Destination Only
Destination Coverage is designed for professionals who are already living abroad. Unscheduled items are covered at full replacement cost and include coverage while in your foreign residence, commercial storage or while traveling.
- For unscheduled coverage, the first $100 of any one loss at your destination
- A standard war exclusion clause applies.
- Unscheduled coverage is limited to $2500 coverage in the aggregate per loss for unscheduled jewelry, precious stones, watches, furs, silver, objects of art, computer equipment, camera and photographic equipment, musical instruments (except pianos), golfers equipment, stamp and coin collections and other similar valuables. Refer to Scheduled Coverage section for proper coverage of these items.
In addition to your Unscheduled Transit & Destination or Destination only coverage you can purchase a Scheduled cover for specific valuable items.
Scheduled Coverage
Worldwide, "All-Risks" Coverage for specified items at all times, while in transit, in your foreign residence, while traveling, or in commercial storage. There is no deductible for this coverage. This policy must be purchased in conjunction with Unscheduled coverage.
Terms and Conditions (Highlights)
1. For unscheduled coverage, the first $100 of any one loss at your destination, or the first $250 of any transit loss, is not covered.
2. A standard war exclusion clause applies.
3. Unscheduled coverage is limited to $2500 coverage in the aggregate per loss for unscheduled jewelry, precious stones, watches, furs, silver, objects of art, computer equipment, camera and photographic equipment, musical instruments (except pianos), golfers’ equipment, stamp and coin collections and other similar valuables. Refer to Scheduled Coverage section for proper coverage of these items.
4. No recovery is available for losses caused by wear and tear or
gradual deterioration under Scheduled Coverage.
Additional Services
Comprehensive Personal Liability Insurance
Worldwide protection for sums which you are legally obligated to pay as damages (including defense costs) due to bodily injury and/or property damage to others. This coverage provides protection for you and members of your family living in the same household. The program includes $25,000 of Personal Liability coverage. Higher limits of coverage are available. Please see the rate chart for more information.
Exclusions
1. Business pursuits are not covered under this liability coverage.
2. Liability arising from the ownership, maintenance
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