Homeowners insurance covers your possessions in that vacation rental home

Consumer Reports

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Renting a sweet beach bungalow or rustic mountain cabin this summer? Here's news that may help you really relax and enjoy it. Any belongings you take with you likely are covered under your homeowners or renters insurance, according to the Insurance Information Institute.

In fact, your property is protected worldwide from losses due to fire, smoke, lightning, vandalism, theft, explosion, windstorm, and water damage other than floods. That includes items in your car.

But there are limits. Of course, your standard deductible applies. And possessions outside your home typically are covered for only 10 percent of your personal property limit. So if your coverage is $100,000, items outside your home are protected for up to $10,000.

But leave expensive items, such as jewelry, at home or in a safe deposit box, unless you have supplemental coverage.

If you want to learn more about buying homeowners insurnace, check our buying guide.


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