Insurance on Vacation

Home policies usually pay out if your possessions are stolen or destroyed, but not if they're lost.

I’m planning my summer vacation and want to check on my insurance coverage. Are the valuables I bring along covered by my homeowners insurance? Does my auto insurance cover rental cars? And what does my health insurance cover while I’m away? -- D.D., San Diego

Your homeowners insurance generally covers your possessions when you’re away. Some insurers cap your coverage at 10% of your insurance limit for possessions. So if you have $100,000 worth of coverage for possessions at home, the policy would cover $10,000 worth of stuff you have with you while you’re away (minus the deductible).

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.