Personal Property

Full Replacement Cost Paid On Claims

Clements will not depreciate or just pay cash value for your damaged or lost property like other insurers may do. We even cover breakage.

No Gaps in Coverage

Your items will be protected from the moment they are shipped from your home and throughout transit. Coverage also extends to the entirety of the overseas stay and throughout your return trip home.

Personal Liability Protection

Every Clements Personal Property policy includes complimentary personal liability coverage, so that you are financially protected in case someone is injured while on your property or if damages affect others. Personal Liability protection includes USD 500,000 – at no additional cost.

Identity Fraud Reimbursement

Coverage for legal and communication expenses, associated with defending an identity fraud claim against you by financial institutions, removing incorrect judgments or challenging consumer credit rating.

Policy Highlights:

  • Protect What You Value the Most 
    Most household effects will fall under unscheduled coverage. However, for high-value items, Clements offers the option of scheduled coverage for items such as jewellery, artwork, or computers so that you can have peace of mind while shipping your valuable goods.
  • Borderless Coverage
    Your property is covered worldwide, so you can enjoy full protection wherever you are heading. 
  • Optional Extensions
    Get additional umbrella liability coverage up to USD 3,000,000 as well as coverage for items left in commercial storage
  • Deductible
    Flexible deductible options range from $100 to $2,500 per loss
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